determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Settlement process and costs	A new loan has been created.
Improper use of your report	Hard inquiries on my credit report from unknown sources.
Settlement process and costs	I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job
Incorrect information on credit report	This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.
Making/receiving payments, sending money	Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.
Incorrect information on your report	I have a XXXX and for some reason when you run my credit, all of my XXXX information comes up. Things such as her being in the XXXX , her places of residence, and car loans she has taken out.
Loan servicing, payments, escrow account	Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.
Incorrect information on your report	There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been XXXX.
Dealing with my lender or servicer	I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.
Cont'd attempts collect debt not owed	Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. Account # / Reference # XXXX
Incorrect information on credit report	the bankruptcy on my credit report for XXXX and Equifax is not mine
Disclosure verification of debt	Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
Problem caused by your funds being low	During t he past three years Chase has charged my account with excessive overdraft fees. These fees are illegal penalties under contract law. Restatement ( Second ) of Contracts 356 ( 1 ). Many banks have been sued for these illegal charges. The fees bear no relationship to actual costs incurred by the bank and are thus illegal penalties under the Restatement of Contract.
Incorrect information on credit report	Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Incorrect information on your report	ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU
Managing the loan or lease	ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE
Taking/threatening an illegal action	on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.
Improper contact or sharing of info	XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.
Communication tactics	Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA
Written notification about debt	Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in XXXX I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.
Incorrect information on credit report	I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
False statements or representation	I have never heard of this nor received any bill. Evidently this is the wrong account.
Cont'd attempts collect debt not owed	I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.
Incorrect information on your report	I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. XXXX XXXX
Incorrect information on your report	IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Threatened to contact someone or share information improperly	I checked my credit and found information thats not mines please remove.
Incorrect information on credit report	I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.
Improper use of your report	CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.
Incorrect information on your report	This is not a dispute for debt, this is a request to remove a name that does not belong to me.
Written notification about debt	I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.
Improper contact or sharing of info	calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere
Cont'd attempts collect debt not owed	My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.
Improper use of your report	I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.
Incorrect information on credit report	I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals
Credit reporting company's investigation	Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. Experian refused to remove accounts. Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.
Incorrect information on credit report	I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Loan modification,collection,foreclosure	Mortgage company refuses to take stop foreclosure to allow borrower to modify loan.
Can't repay my loan	Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. Please help with reasonable affordable payment.
Incorrect information on credit report	Case # XXXX - XXXX XXXX. This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.
Problem with a purchase shown on your statement	Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act
Attempts to collect debt not owed	I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.
Incorrect information on credit report	XXXX does not recognize IRS FORM XXXX
Problem with a credit reporting company's investigation into an existing problem	I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You
Took or threatened to take negative or legal action	I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.
Cont'd attempts collect debt not owed	This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. CBE did cash my check and continues to report the account on my credit report still as an unpaid account.
Other features, terms, or problems	My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.
Can't repay my loan	I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.
Incorrect information on credit report	Transunion removed several inquiries and accounts from my credit report on XX/XX/2017 and later put them back.
Improper use of your report	I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach. I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.
Incorrect information on your report	I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.
Took or threatened to take negative or legal action	Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.
Dealing with your lender or servicer	They only gave a 3 day window to cancel. They also did not disclose that they were a private company and that I could consolidate my loans on my own. Should only be required to pay the {$150.00} which they have already deducted from my account.
Other	many times XXXX has made monthly donations when I just wanted a single donation
Attempts to collect debt not owed	I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.
Improper use of your report	Has stated before I suspect fraudulent Inquires on my Equifax Credit report. Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.
Unable to get credit report/credit score	I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. Was fully insured for the procedure this is a mistake
Incorrect information on credit report	Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.
Billing disputes	Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my XXXX.
Cont'd attempts collect debt not owed	ERC has aggressively continued to report unfavorable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks ahs continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Disclosure verification of debt	I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error
Unauthorized transactions or other transaction problem	I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that
Written notification about debt	Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.
Loan modification,collection,foreclosure	SunTrust mortgage violated court order and illegally evicted my family from our home with no notice.
Identity theft / Fraud / Embezzlement	A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.
Disclosure verification of debt	This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help
Problem with a credit reporting company's investigation into an existing problem	Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.
Disclosure verification of debt	This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company
Billing disputes	PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.
Incorrect information on credit report	XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.
Dealing with my lender or servicer	Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.
Loan servicing, payments, escrow account	CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? Was ONEWEST Servicer? Was CIT Bank N.A. Servicer? What was Transferred? How Much was Transferred? What Type of Loan was this? I have Reached out to ONEWEST Bank and they have Refused to answer.
Problems when you are unable to pay	fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.
Incorrect information on credit report	Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX
Incorrect information on credit report	Equifax is reporting inquires on my credit file that I did not authorize. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Incorrect information on credit report	After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?
Incorrect information on credit report	THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
Incorrect information on your report	I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Problem with a credit reporting company's investigation into an existing problem	Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.
False statements or representation	I was told that monthly bill would be much lower than XXXX a month
Loan modification,collection,foreclosure	I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.
Incorrect information on credit report	Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.
Application, originator, mortgage broker	Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. I have not taken steps to remove my name from official records. This is a fraud on my title. I
Cont'd attempts collect debt not owed	The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments
Dealing with my lender or servicer	The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.
Incorrect information on credit report	I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.
Communication tactics	The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.
Deposits and withdrawals	On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.
Can't repay my loan	This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.
Incorrect information on your report	I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.
Incorrect information on credit report	I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.
Incorrect information on your report	I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.
Attempts to collect debt not owed	XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove
Cont'd attempts collect debt not owed	I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.
Communication tactics	They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
Managing the loan or lease	what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %
Incorrect information on credit report	Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.
Incorrect information on credit report	I sent disputes already but no contact or changes have been made. You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. Please see the attachment supporting my statement
Disclosure verification of debt	I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}
Communication tactics	They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.

Settlement process and costs

A new loan has been created.

Improper use of your report

Hard inquiries on my credit report from unknown sources.

Settlement process and costs

I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job

Incorrect information on credit report

This company has been leaching on my credit report for several years. I 've paid this account in full never late or missed a payment.

Making/receiving payments, sending money

Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.

Incorrect information on your report

I have a XXXX and for some reason when you run my credit, all of my XXXX information comes up. Things such as her being in the XXXX , her places of residence, and car loans she has taken out.

Loan servicing, payments, escrow account

Tried to call Nationstar Mortgage customer service number at XXXX. With all the advertisements, there is no way to talk to a customer service representative. I sent XXXX payments in to satisfy my XXXX XXXX, 2015 payment and they applied both to principal so I still owe the XXXX XXXX payment. This servicer is incompetent and should be put out of business.

Incorrect information on your report

There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been XXXX.

Dealing with my lender or servicer

I was not notified in a timely manner that my income driven repayment was ending and due to that i was forced to do a forbearance. They sent me notices stating i had to start making a very high monthly payment or they were going to start reporting to the credit bureau that i am not in good standing with my student loans. I told them that i was out of work and that i was on XXXX and i cant afford the payments.

Cont'd attempts collect debt not owed

Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. Account # / Reference # XXXX

Incorrect information on credit report

the bankruptcy on my credit report for XXXX and Equifax is not mine

Disclosure verification of debt

Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.

Problem caused by your funds being low

During t he past three years Chase has charged my account with excessive overdraft fees. These fees are illegal penalties under contract law. Restatement ( Second ) of Contracts 356 ( 1 ). Many banks have been sued for these illegal charges. The fees bear no relationship to actual costs incurred by the bank and are thus illegal penalties under the Restatement of Contract.

Incorrect information on credit report

Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

Incorrect information on your report

ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU

Managing the loan or lease

ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE

Taking/threatening an illegal action

on XXXX the branch manager came to my home and harrsed my wife.He ask for me, but i was n't home.He told her that he would send the cops after me for stealing their money.also he said he would come to my job and inbarrese me.He also stated that this was his third time comeing to my home.

Improper contact or sharing of info

XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.

Communication tactics

Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA

Written notification about debt

Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in XXXX I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.

Incorrect information on credit report

I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.

False statements or representation

I have never heard of this nor received any bill. Evidently this is the wrong account.

Cont'd attempts collect debt not owed

I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.

Incorrect information on your report

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. XXXX XXXX

Incorrect information on your report

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Threatened to contact someone or share information improperly

I checked my credit and found information thats not mines please remove.

Incorrect information on credit report

I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.

Improper use of your report

CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.

Incorrect information on your report

This is not a dispute for debt, this is a request to remove a name that does not belong to me.

Written notification about debt

I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.

Improper contact or sharing of info

calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere

Cont'd attempts collect debt not owed

My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.

Improper use of your report

I am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

Incorrect information on credit report

I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals

Credit reporting company's investigation

Requested negative accounts to be removed from my credit report, creditor stopped collecting on those accounts. Experian refused to remove accounts. Today I tried again, it says I ca n't dispute accounts till I pay for another credit report & then I will be able to start a dispute.

Incorrect information on credit report

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Loan modification,collection,foreclosure

Mortgage company refuses to take stop foreclosure to allow borrower to modify loan.

Can't repay my loan

Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. Please help with reasonable affordable payment.

Incorrect information on credit report

Case # XXXX - XXXX XXXX. This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.

Problem with a purchase shown on your statement

Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act

Attempts to collect debt not owed

I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.

Incorrect information on credit report

XXXX does not recognize IRS FORM XXXX

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

I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You

Took or threatened to take negative or legal action

I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.

Cont'd attempts collect debt not owed

This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. CBE did cash my check and continues to report the account on my credit report still as an unpaid account.

Other features, terms, or problems

My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.

Can't repay my loan

I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.

Incorrect information on credit report

Transunion removed several inquiries and accounts from my credit report on XX/XX/2017 and later put them back.

Improper use of your report

I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach. I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.

Incorrect information on your report

I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.

Took or threatened to take negative or legal action

Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.

Dealing with your lender or servicer

They only gave a 3 day window to cancel. They also did not disclose that they were a private company and that I could consolidate my loans on my own. Should only be required to pay the {$150.00} which they have already deducted from my account.

Other

many times XXXX has made monthly donations when I just wanted a single donation

Attempts to collect debt not owed

I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.

Improper use of your report

Has stated before I suspect fraudulent Inquires on my Equifax Credit report. Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.

Unable to get credit report/credit score

I have disputed several reports on my Transunion credit report. After repeated request for XXXX to mail me an up to date credit report showing the corrections that were made and my current credit score they have failed to comply with my request.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. Was fully insured for the procedure this is a mistake

Incorrect information on credit report

Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.

Billing disputes

Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my XXXX.

Cont'd attempts collect debt not owed

ERC has aggressively continued to report unfavorable claims on my credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks ahs continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Disclosure verification of debt

I have disputed this through the credit bureaus but it still remains. I question if this is an accurate and verifiable debt and if it indeed belongs to me. I have never heard of Portfolio or XXXX. I believe this is an error

Unauthorized transactions or other transaction problem

I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that

Written notification about debt

Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.

Loan modification,collection,foreclosure

SunTrust mortgage violated court order and illegally evicted my family from our home with no notice.

Identity theft / Fraud / Embezzlement

A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.

Disclosure verification of debt

This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help

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

Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.

Disclosure verification of debt

This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company

Billing disputes

PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.

Incorrect information on credit report

XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.

Dealing with my lender or servicer

Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.

Loan servicing, payments, escrow account

CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? Was ONEWEST Servicer? Was CIT Bank N.A. Servicer? What was Transferred? How Much was Transferred? What Type of Loan was this? I have Reached out to ONEWEST Bank and they have Refused to answer.

Problems when you are unable to pay

fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.

Incorrect information on credit report

Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Incorrect information on credit report

Equifax is reporting inquires on my credit file that I did not authorize. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Incorrect information on credit report

After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?

Incorrect information on credit report

THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

Incorrect information on your report

I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

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

Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.

False statements or representation

I was told that monthly bill would be much lower than XXXX a month

Loan modification,collection,foreclosure

I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.

Incorrect information on credit report

Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.

Application, originator, mortgage broker

Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. I have not taken steps to remove my name from official records. This is a fraud on my title. I

Cont'd attempts collect debt not owed

The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments

Dealing with my lender or servicer

The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.

Incorrect information on credit report

I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.

Communication tactics

The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.

Deposits and withdrawals

On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.

Can't repay my loan

This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.

Incorrect information on your report

I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.

Incorrect information on credit report

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.

Incorrect information on your report

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.

Attempts to collect debt not owed

XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove

Cont'd attempts collect debt not owed

I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.

Communication tactics

They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.

Managing the loan or lease

what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %

Incorrect information on credit report

Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

Incorrect information on credit report

I sent disputes already but no contact or changes have been made. You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. Please see the attachment supporting my statement

Disclosure verification of debt

I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}

Communication tactics

They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.