determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Can't repay my loan	My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.
Cont'd attempts collect debt not owed	This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
False statements or representation	Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.
Settlement process and costs	Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. What was Bank of America involvement if any with transaction per letter attached. I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. Dual tracking appears to have taken place
Incorrect information on credit report	Inaccuarate information is on my credit report and information that is not mine.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.
Credit reporting company's investigation	I AM FILING BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THIS ACCOUNT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Incorrect information on credit report	My XXXX account has been paid in full this month on the XXXX Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --
Incorrect information on your report	I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Disclosure verification of debt	There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help
Managing the loan or lease	I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.
Taking/threatening an illegal action	attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.
Incorrect information on your report	My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.
Communication tactics	They keep calling my employment and i have asked them to stop
Account opening, closing, or management	I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.
Cont'd attempts collect debt not owed	Continue to call my home phone I have no debt. Phone # that comes up is XXXX
Other	My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?
Unable to get credit report/credit score	Equifax refuses to address the issue on the phone
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX was reported late 60 days past due.
Managing an account	check was cashed fraudulent and i have the proof.
Loan servicing, payments, escrow account	We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.
Cont'd attempts collect debt not owed	Utility that was to be satisfied as part of a foreclosure settlement with the mortgage holder
Problem with a credit reporting company's investigation into an existing problem	Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? XXXX XXXX XXXX
Credit monitoring or identity protection	i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.
Loan servicing, payments, escrow account	I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.
Can't repay my loan	I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.
Cont'd attempts collect debt not owed	100 % this debt was satisfied with a hardship program offered by the medical institution.
Incorrect information on credit report	Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus
Communication tactics	Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.
Disclosure verification of debt	I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Incorrect information on credit report	There are XXXX medical collection accounts on my credit reports that are not mine. I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) XXXX XXXX XXXX
Dealing with my lender or servicer	Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.
Attempts to collect debt not owed	Merchants Credit continues to report XXXX paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor ( XXXX XXXX XXXX ) that these accounts are paid and resolved. XXXX and XXXX even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
Incorrect information on credit report	I had a tax lien with the IRS in XX/XX/XXXX. The lien is paid in full.
Unable to get your credit report or credit score	My equifax file is blank it has been blank for months comes up for 1 day then disappears I have called 26 times I have sent 35 emails I have faxed my license and ss card 8 times these people are destroying my life I have been waiting to buy a house for 6 months all because equifax file is blank
Account opening, closing, or management	I HAVE BEEN A VICTIM OF IDENTIFY FRAUD. ACCOUNTS HAVE BEEN OPENED IN MY NAME. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I HAVE A POLICE REPORT.
Incorrect information on credit report	I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.
Incorrect information on your report	I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.
Incorrect information on credit report	I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted
Cont'd attempts collect debt not owed	The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Incorrect information on credit report	I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}
Incorrect information on your report	Reporting incorrect information.
Incorrect information on your report	I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
Problem with a credit reporting company's investigation into an existing problem	I do n't owe XXXX any money.
Loan modification,collection,foreclosure	XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Cont'd attempts collect debt not owed	XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.
Taking out the loan or lease	Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.
Incorrect information on credit report	" XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen
False statements or representation	My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA
Problem with a credit reporting company's investigation into an existing problem	There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all XXXX credit bureau with no change to my reports.
Incorrect information on credit report	Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.
Improper use of my credit report	1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. See reports attached FOR all this please see attached
Communication tactics	I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.
Deposits and withdrawals	Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.
Unable to get credit report/credit score	I sent a cert. Letter to Experian but they never responded.
Loan servicing, payments, escrow account	Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.
Written notification about debt	Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor
Incorrect information on your report	XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.
Incorrect information on your report	This past XX/XX/XXXX I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later ( XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.
Improper use of your report	On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.
Deposits and withdrawals	I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment
Deposits and withdrawals	Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me
Account opening, closing, or management	I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.
Taking/threatening an illegal action	I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.
Cont'd attempts collect debt not owed	Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.
Incorrect information on credit report	I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.
Taking out the loan or lease	As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.
Attempts to collect debt not owed	XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.
Trouble during payment process	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Incorrect information on your report	XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
Payoff process	Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.
Account opening, closing, or management	After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.
Incorrect information on credit report	On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.
Credit reporting company's investigation	I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.
Problem with fraud alerts or security freezes	XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.
Incorrect information on your report	reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations
Cont'd attempts collect debt not owed	I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.
Unable to get credit report/credit score	LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. I have called them about it and they told me they would mail me a copy, but nothing has come.
Credit monitoring or identity theft protection services	I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.
Account opening, closing, or management	I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.
Loan modification,collection,foreclosure	Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. Financial status has just changed, as Social Security has been APPROVED!!! Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.
Cont'd attempts collect debt not owed	THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE
Managing the loan or lease	Chrysler Capital needs to be investigated and prosecuted.
Incorrect information on credit report	I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. See documents attached, Thanks much
Incorrect information on credit report	My name is XXXX XXXX Not XXXX XXXX
Disclosure verification of debt	LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.
Problem with fraud alerts or security freezes	You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.
Problem with a credit reporting company's investigation into an existing problem	ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.
Cont'd attempts collect debt not owed	My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.
Other fee	my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.
Cont'd attempts collect debt not owed	in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical
Credit determination	talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.
Problem with a credit reporting company's investigation into an existing problem	I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from XXXX and transunion and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
Problem with fraud alerts or security freezes	Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.
Incorrect information on credit report	Inquiries were removed from my account and re-added without proper notice.
Unable to get your credit report or credit score	I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. I called them again today and they refused again.
Incorrect information on credit report	I just found a multiple applied to different credit car company but I never applied of those company and I want to know may be somebody used my name
Loan modification,collection,foreclosure	Selling my mortgage to another bank without any type of notification.

Incorrect information on your report

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX

Can't repay my loan

My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.

Cont'd attempts collect debt not owed

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

False statements or representation

Already XXXX complaint against XXXX XXXX Bank account XXXX is on file report was made on XXXX/XXXX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency Portfolio Recovery which report to my credit report last XXXX XXXX for the sum of {$600.00}.

Settlement process and costs

Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. What was Bank of America involvement if any with transaction per letter attached. I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. Dual tracking appears to have taken place

Incorrect information on credit report

Inaccuarate information is on my credit report and information that is not mine.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.

Credit reporting company's investigation

I AM FILING BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THIS ACCOUNT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX

Incorrect information on credit report

My XXXX account has been paid in full this month on the XXXX Last Reported XX/XX/XXXXCreditor Name XXXXAccount Type Charge AccountAccount Status OpenOpened Date XXXXClosed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status CurrentDate of Last Payment XX/XX/XXXXAmount Past Due $ 0Times 30/60/90 Days Late XXXXRemarks --

Incorrect information on your report

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Disclosure verification of debt

There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help

Managing the loan or lease

I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.

Taking/threatening an illegal action

attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.

Incorrect information on your report

My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.

Communication tactics

They keep calling my employment and i have asked them to stop

Account opening, closing, or management

I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.

Cont'd attempts collect debt not owed

Continue to call my home phone I have no debt. Phone # that comes up is XXXX

Other

My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?

Unable to get credit report/credit score

Equifax refuses to address the issue on the phone

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

XXXX XXXX was reported late 60 days past due.

Managing an account

check was cashed fraudulent and i have the proof.

Loan servicing, payments, escrow account

We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.

Cont'd attempts collect debt not owed

Utility that was to be satisfied as part of a foreclosure settlement with the mortgage holder

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

Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? XXXX XXXX XXXX

Credit monitoring or identity protection

i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.

Loan servicing, payments, escrow account

I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.

Can't repay my loan

I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.

Cont'd attempts collect debt not owed

100 % this debt was satisfied with a hardship program offered by the medical institution.

Incorrect information on credit report

Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus

Communication tactics

Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.

Disclosure verification of debt

I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.

Incorrect information on credit report

There are XXXX medical collection accounts on my credit reports that are not mine. I have contacted all collection agencies and they were unable to validate the accounts to my name, last name or even the amount showing on all XXXX credit bureaus report collection agencies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) XXXX XXXX XXXX

Dealing with my lender or servicer

Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.

Attempts to collect debt not owed

Merchants Credit continues to report XXXX paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor ( XXXX XXXX XXXX ) that these accounts are paid and resolved. XXXX and XXXX even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.

Incorrect information on credit report

I had a tax lien with the IRS in XX/XX/XXXX. The lien is paid in full.

Unable to get your credit report or credit score

My equifax file is blank it has been blank for months comes up for 1 day then disappears I have called 26 times I have sent 35 emails I have faxed my license and ss card 8 times these people are destroying my life I have been waiting to buy a house for 6 months all because equifax file is blank

Account opening, closing, or management

I HAVE BEEN A VICTIM OF IDENTIFY FRAUD. ACCOUNTS HAVE BEEN OPENED IN MY NAME. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I HAVE A POLICE REPORT.

Incorrect information on credit report

I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.

Incorrect information on your report

I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.

Incorrect information on credit report

I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted

Cont'd attempts collect debt not owed

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation. Portfolio responded back by simply stating that the account is valid and failed to provide me any sort of validation for the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Incorrect information on credit report

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}

Incorrect information on your report

Reporting incorrect information.

Incorrect information on your report

I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

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

I do n't owe XXXX any money.

Loan modification,collection,foreclosure

XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Cont'd attempts collect debt not owed

XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.

Taking out the loan or lease

Was denied loan for rather suspicious reasons, first for unable to verify identity, how can you say that, when they never tried. Second, for derogatory public record or collection filed, because that 's been cleared up, on most credit reporting services, it does n't even appear. My husband was denied for not reaching XXXX credit score, now this. It 's obvious, either they do n't really make loans, or do n't make loans to minorities.

Incorrect information on credit report

" XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

False statements or representation

My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA

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

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all XXXX credit bureau with no change to my reports.

Incorrect information on credit report

Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.

Improper use of my credit report

1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. **See reports attached **FOR all this please see attached

Communication tactics

I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.

Deposits and withdrawals

Access to money from check deposited at Wells Fargo AMT in XXXX was denied for 2 weeks. Normal hold is 3 days. Reason given by bank rep : check should have been deposited at bank branch, not ATM. Check from sale of stock for more than {$7400.00} was needed to pay rent and holiday expenses. When called, bank rep simply said something was wrong with check from XXXX. In fact, responded rep at XXXX, check had already been cashed and funds credited to ny wells Fargo account.

Unable to get credit report/credit score

I sent a cert. Letter to Experian but they never responded.

Loan servicing, payments, escrow account

Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.

Written notification about debt

Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor

Incorrect information on your report

XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.

Incorrect information on your report

This past XX/XX/XXXX I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later ( XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.

Improper use of your report

On X/XX/17, I went to https : //www.equifaxsecurity2017.comXXXX and Equifax confirmed to me that my information was compromised in their recent security breach. I am filing this complaint due to their failure of divulging my information without my consent.

Deposits and withdrawals

I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment

Deposits and withdrawals

Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me

Account opening, closing, or management

I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.

Taking/threatening an illegal action

I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.

Cont'd attempts collect debt not owed

Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Incorrect information on credit report

I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.

Taking out the loan or lease

As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.

Attempts to collect debt not owed

XXXX XXXX 2017 I.C. Systems Inc. reporting to my credit negatively. I do not own this debt. I do not have XXXX and never have. I am requesting validity of this debt because I do not own a XXXX account. I want signatures and any pertinent information that proves I own this debt. This debt is not valid.

Trouble during payment process

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Incorrect information on your report

XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

Payoff process

Bank of America refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.

Account opening, closing, or management

After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.

Incorrect information on credit report

On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.

Credit reporting company's investigation

I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.

Problem with fraud alerts or security freezes

XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.

Incorrect information on your report

reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

Cont'd attempts collect debt not owed

I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.

Unable to get credit report/credit score

LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. I have called them about it and they told me they would mail me a copy, but nothing has come.

Credit monitoring or identity theft protection services

I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.

Account opening, closing, or management

I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.

Loan modification,collection,foreclosure

Primary mortgage with Wells Fargo on Primary Residence has a FORECLOSURE SALE DATE of XX/XX/2015. Financial status has just changed, as Social Security has been APPROVED!!! Need new MODIFICATION of Wells Fargo Mortgage. Need a Single Point of Contact with Wells Fargo, to review and update the status of Mortgage.

Cont'd attempts collect debt not owed

THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE

Managing the loan or lease

Chrysler Capital needs to be investigated and prosecuted.

Incorrect information on credit report

I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. See documents attached, Thanks much

Incorrect information on credit report

My name is XXXX XXXX Not XXXX XXXX

Disclosure verification of debt

LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.

Problem with fraud alerts or security freezes

You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.

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

ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.

Cont'd attempts collect debt not owed

My ex husband claimed bankruptcy chapter XXXX on XXXX that was discharged on XXXX and then I later claimed bankruptcy chapter XXXX on XXXX discharged on XXXX despite these two filings this collection company has repeatedly continued to report false information and refused to correct it with our federal bankruptcy information.

Other fee

my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.

Cont'd attempts collect debt not owed

in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical

Credit determination

talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.

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

I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from XXXX and transunion and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file

Problem with fraud alerts or security freezes

Credit freezes and thawing should be free. The entire SSN system is outdated and vulnerable. In light of recent events ( Equifax breach ) the only way I can protect myself is by freezing my credit. Naturally I can not keep it this way forever and will need to unfreeze for certain purposes, at which I will be charged for the thaw. I should not be paying to protect myself because of the mistake of a large corporation.

Incorrect information on credit report

Inquiries were removed from my account and re-added without proper notice.

Unable to get your credit report or credit score

I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. I called them again today and they refused again.

Incorrect information on credit report

I just found a multiple applied to different credit car company but I never applied of those company and I want to know may be somebody used my name

Loan modification,collection,foreclosure

Selling my mortgage to another bank without any type of notification.