determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan modification,collection,foreclosure	WE FELL BEHIND 2 PMTS. WE SENT IN 1 XXXX PMTS FOR 4 MONTHS BUT THEY KEPT SENDING THEM WANTING THE FULL XXXX DUE, WHICH WE DID NOT HAVE. THEN THE HARASSING CALLS SEVERAL TIMES EACH DAY. AFTER FINALLY TALKING TO A REP HE TOLD US TO STOP SENDING PMTS UNTIL THEY GOT IT STRAIGHTENED OUT, THAT WAS 3 YEARS AGO. NOW THEY HAVE FORECLOSED AND ARE AUCTIONING OFF OUR HOUSE ON XX/XX/2016. STAY AWAY FROM THESE PEOPLE THEY WILL XXXX!!!!!!!!!!!!!!!!!!!!!!
Disclosure verification of debt	I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature
Dealing with my lender or servicer	I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.
Problems caused by my funds being low	My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.
Disclosure verification of debt	I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation
False statements or representation	I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.
Managing an account	I use XXXX XXXX to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.
Account opening, closing, or management	I opened my first banking account ever with Bank of America a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was resolved.
Incorrect information on credit report	Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information
Credit reporting company's investigation	XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all
Cont'd attempts collect debt not owed	There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.
Attempts to collect debt not owed	Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.
Loan servicing, payments, escrow account	On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP
Credit reporting company's investigation	last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files
Attempts to collect debt not owed	Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.
Communication tactics	On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. XXXX XXXX
Cont'd attempts collect debt not owed	synerprise has XXXX open accounts since XX/XX/2010. XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. I have already paid to the hospital.
Account opening, closing, or management	Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite another letter stating that I was eligible for the bonus.
Communication tactics	PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY
Attempts to collect debt not owed	Complaint : I do not have a contract with Omni XXXX XXXX XXXX . I am not liable for collected this debt owed of $ XXXX . I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT
Improper use of my credit report	The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. XXXX
Incorrect information on credit report	Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.
Cont'd attempts collect debt not owed	i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them
Billing disputes	SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine
Can't repay my loan	I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.
Problem with a credit reporting company's investigation into an existing problem	I sent the collection agency a complaint letter XXXX XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named XXXX XXXX XXXX XXXX that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
Deposits and withdrawals	My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Unsolicited issuance of credit card	Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. This letter could have started fraud and identity theft.
Deposits and withdrawals	On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).
Dealing with my lender or servicer	I originally borrowed a total of {$7500.00} ( {$2500.00} on XXXX/XXXX/XXXX and {$5000.00} on XXXX/XXXX/XXXX ). These loans were serviced through AES ( American Education Services ). As of XXXX/XXXX/XXXX I have paid a total of {$6600.00} and the loan balance is {$6000.00}.
False statements or representation	Kay Jewlers sold my account to XXXX XXXX XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.
Improper use of your report	XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Incorrect information on credit report	TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
Incorrect information on credit report	Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.
Problem with fraud alerts or security freezes	I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Improper use of your report	There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Incorrect information on credit report	XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine
Improper use of your report	equifax had my information which was collected and then shared with others without my permission.
Incorrect information on your report	My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.
False statements or representation	FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.
Charged fees or interest I didn't expect	I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop
Shopping for a loan or lease	I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.
Taking/threatening an illegal action	They said if I did n't set up a payment plan that they were going to file charges in court and I would go to jail if I did not pay.
Communication tactics	Requested this to be disputed and has not been resolved in a timely manner!
Cont'd attempts collect debt not owed	In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.
Cont'd attempts collect debt not owed	I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.
Incorrect information on your report	I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.
Improper use of your report	All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Cont'd attempts collect debt not owed	Debt continues to remain in collection status on my credit when balance has been paid in full.
Incorrect information on credit report	Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.
Problem with a credit reporting company's investigation into an existing problem	THE CREDIT REPORTING AGENCY EXPERIAN, XXXX XXXX AND XXXX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
Account opening, closing, or management	Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.
Attempts to collect debt not owed	Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.
Communication tactics	They call multiple times a day to try to collect a debt.
Incorrect information on credit report	I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people
Improper use of your report	Company inquired about my credit without my authorization.
Incorrect information on your report	I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.
Dealing with my lender or servicer	I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Cont'd attempts collect debt not owed	I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office
Loan modification,collection,foreclosure	My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.
Improper contact or sharing of info	Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.
Fraud or scam	I submitted {$380.00} to an XXXX XXXX who claimed he could help recover monies paid but not remitted.
Incorrect information on credit report	My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.
Incorrect information on credit report	Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.
Disclosure verification of debt	Have no idea what this debt is for, never heard from this company.
Incorrect information on your report	Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.
Loan modification,collection,foreclosure	After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )
Cont'd attempts collect debt not owed	I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.
Incorrect information on your report	Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.
Incorrect information on credit report	I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.
Dealing with my lender or servicer	My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.
Improper use of your report	XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.
Improper contact or sharing of info	Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
Credit reporting company's investigation	I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
Communication tactics	Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.
Cont'd attempts collect debt not owed	This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX
Unable to get credit report/credit score	Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --
Problem when making payments	I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Taking out the loan or lease	# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.
Unable to get your credit report or credit score	I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since XXXX XXXX ,2017.
Dealing with my lender or servicer	Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.
Attempts to collect debt not owed	This account does not belong to me. I have no idea where this account came from.
Incorrect information on your report	Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature
Incorrect information on credit report	I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. This is not mine, and I want them to remove it from my history.
Communication tactics	65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.
Account opening, closing, or management	I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.
Credit reporting company's investigation	I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.
Problem with a credit reporting company's investigation into an existing problem	I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.
Improper use of your report	XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Incorrect information on credit report	TRANSUNION is reporting XXXX on my credit report this is not mine
Applying for a mortgage or refinancing an existing mortgage	They keep changing the there fees and what they are charging me. I gave them all the correct figures when we started and they have now changed the figures 3 times and the points and lender fees rose from {$2800.00} to {$7100.00}. I called multiple times and spoke to a manager and he said he would change it back but then they raised it even more.
Unable to get credit report/credit score	Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS
Struggling to pay mortgage	I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.
Trouble using the card	My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?
Incorrect information on credit report	I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number XXXX
Cont'd attempts collect debt not owed	I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.
Account opening, closing, or management	I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.

Loan modification,collection,foreclosure

WE FELL BEHIND 2 PMTS. WE SENT IN 1 XXXX PMTS FOR 4 MONTHS BUT THEY KEPT SENDING THEM WANTING THE FULL XXXX DUE, WHICH WE DID NOT HAVE. THEN THE HARASSING CALLS SEVERAL TIMES EACH DAY. AFTER FINALLY TALKING TO A REP HE TOLD US TO STOP SENDING PMTS UNTIL THEY GOT IT STRAIGHTENED OUT, THAT WAS 3 YEARS AGO. NOW THEY HAVE FORECLOSED AND ARE AUCTIONING OFF OUR HOUSE ON XX/XX/2016. STAY AWAY FROM THESE PEOPLE THEY WILL XXXX!!!!!!!!!!!!!!!!!!!!!!

Disclosure verification of debt

I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature

Dealing with my lender or servicer

I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.

Problems caused by my funds being low

My name is XXXX XXXX XXXX Social is XXXX Checking account is with 5th 3rd bank Trying to close from last 3 months but they are not closing it. Have worst customer service.

Disclosure verification of debt

I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation

False statements or representation

I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.

Managing an account

I use XXXX XXXX to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.

Account opening, closing, or management

I opened my first banking account ever with Bank of America a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was resolved.

Incorrect information on credit report

Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information

Credit reporting company's investigation

XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all

Cont'd attempts collect debt not owed

There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.

Attempts to collect debt not owed

Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.

Loan servicing, payments, escrow account

On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP

Credit reporting company's investigation

last week recieved information the transunion has deleted incorrect information on my credit files from CFPB case number XXXX response from complaint, Relief We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. it was not deleted from all files

Attempts to collect debt not owed

Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.

Communication tactics

On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. XXXX XXXX

Cont'd attempts collect debt not owed

synerprise has XXXX open accounts since XX/XX/2010. XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. I have already paid to the hospital.

Account opening, closing, or management

Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the bonus.

Communication tactics

PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY

Attempts to collect debt not owed

Complaint : I do not have a contract with Omni XXXX XXXX XXXX . I am not liable for collected this debt owed of $ XXXX . I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT

Improper use of my credit report

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. XXXX

Incorrect information on credit report

Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.

Cont'd attempts collect debt not owed

i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them

Billing disputes

SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine

Can't repay my loan

I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.

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

I sent the collection agency a complaint letter XXXX XXXX ,2017 is the day the credit reporting agency received the letter to investigate a collection account on my credit report named XXXX XXXX XXXX XXXX that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

Deposits and withdrawals

My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.

Incorrect information on your report

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

Unsolicited issuance of credit card

Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. This letter could have started fraud and identity theft.

Deposits and withdrawals

On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).

Dealing with my lender or servicer

I originally borrowed a total of {$7500.00} ( {$2500.00} on XXXX/XXXX/XXXX and {$5000.00} on XXXX/XXXX/XXXX ). These loans were serviced through AES ( American Education Services ). As of XXXX/XXXX/XXXX I have paid a total of {$6600.00} and the loan balance is {$6000.00}.

False statements or representation

Kay Jewlers sold my account to XXXX XXXX XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.

Improper use of your report

XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.

Incorrect information on credit report

TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.

Incorrect information on credit report

Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.

Problem with fraud alerts or security freezes

I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

Improper use of your report

There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

Incorrect information on credit report

XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine

Improper use of your report

equifax had my information which was collected and then shared with others without my permission.

Incorrect information on your report

My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

False statements or representation

FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.

Charged fees or interest I didn't expect

I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop

Shopping for a loan or lease

I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.

Taking/threatening an illegal action

They said if I did n't set up a payment plan that they were going to file charges in court and I would go to jail if I did not pay.

Communication tactics

Requested this to be disputed and has not been resolved in a timely manner!

Cont'd attempts collect debt not owed

In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.

Cont'd attempts collect debt not owed

I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.

Incorrect information on your report

I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

Improper use of your report

All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Cont'd attempts collect debt not owed

Debt continues to remain in collection status on my credit when balance has been paid in full.

Incorrect information on credit report

Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.

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

THE CREDIT REPORTING AGENCY EXPERIAN, XXXX XXXX AND XXXX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE

Account opening, closing, or management

Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.

Attempts to collect debt not owed

Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.

Communication tactics

They call multiple times a day to try to collect a debt.

Incorrect information on credit report

I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people

Improper use of your report

Company inquired about my credit without my authorization.

Incorrect information on your report

I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.

Dealing with my lender or servicer

I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.

Incorrect information on your report

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

Cont'd attempts collect debt not owed

I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office

Loan modification,collection,foreclosure

My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.

Improper contact or sharing of info

Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.

Fraud or scam

I submitted {$380.00} to an XXXX XXXX who claimed he could help recover monies paid but not remitted.

Incorrect information on credit report

My complain refers to Equifax which incorrectly reports balances discharged in bankruptcy. More specifically, this refers to balances reported for credit cards issued by XXXX ending with XXXX and XXXX. I was trying to resolve it through Equifax however, Equifax does not let me to access my credit report although I answered security verification questions correctly. I was recently denied a credit card because of this incorrectly reported information.

Incorrect information on credit report

Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.

Disclosure verification of debt

Have no idea what this debt is for, never heard from this company.

Incorrect information on your report

Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

Loan modification,collection,foreclosure

After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )

Cont'd attempts collect debt not owed

I paid through debt consolidation and CDR Associates. They keep calling my work and will not listen to me stating that I have paid debt. They are threatening.

Incorrect information on your report

Goodyear CBNA reflects I opened an acct with them. This is fraudulent account. I never solicited them for credit.

Incorrect information on credit report

I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.

Dealing with my lender or servicer

My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.

Improper use of your report

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.

Improper contact or sharing of info

Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Credit reporting company's investigation

I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

Communication tactics

Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.

Cont'd attempts collect debt not owed

This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX

Unable to get credit report/credit score

Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --

Problem when making payments

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Taking out the loan or lease

# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.

Unable to get your credit report or credit score

I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since XXXX XXXX ,2017.

Dealing with my lender or servicer

Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.

Attempts to collect debt not owed

This account does not belong to me. I have no idea where this account came from.

Incorrect information on your report

Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature

Incorrect information on credit report

I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. This is not mine, and I want them to remove it from my history.

Communication tactics

65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.

Account opening, closing, or management

I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.

Credit reporting company's investigation

I received a letter stating that the XXXX XXXX XXXX account in not currently reporting ... yet I still see that it is reporting. If it states not reporting then it should not still be on the credit report.

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

I called Transunion and XXXX to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.

Improper use of your report

XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.

Incorrect information on credit report

TRANSUNION is reporting XXXX on my credit report this is not mine

Applying for a mortgage or refinancing an existing mortgage

They keep changing the there fees and what they are charging me. I gave them all the correct figures when we started and they have now changed the figures 3 times and the points and lender fees rose from {$2800.00} to {$7100.00}. I called multiple times and spoke to a manager and he said he would change it back but then they raised it even more.

Unable to get credit report/credit score

Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS

Struggling to pay mortgage

I have been sending the mortgage company document since XX/XX/XXXX and they are constantly asking for the same documents. I feel that they are giving me a hard time. I am trying to save my home so my family can a place live. I have send the same documents on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I just received another package asking for the same documents I sent in XXXX. I have sent the document to their attorneys and mitigation.

Trouble using the card

My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?

Incorrect information on credit report

I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number XXXX

Cont'd attempts collect debt not owed

I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.

Account opening, closing, or management

I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.