determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Credit monitoring or identity protection	We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.
Incorrect information on credit report	I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?
Struggling to repay your loan	I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Incorrect information on your report	XXXX has reported that I have a store credit card with them and it just hit my credit reports. I do not have a XXXX card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Problems caused by my funds being low	I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?
Making/receiving payments, sending money	I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. I would like an formal apology from Wells Fargo and she should be disciplined by management.
Taking/threatening an illegal action	Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.
Incorrect information on your report	No contract Company Refused to COMPLETELY validate the debt per federal guidelines Insufficient response
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Attempts to collect debt not owed	XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.
Cont'd attempts collect debt not owed	I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.
Credit monitoring or identity protection	i was trying to remove a security freeze on done with Experian. for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists
Written notification about debt	on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.
Credit reporting company's investigation	I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.
Incorrect information on your report	I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.
Fraud or scam	My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..
False statements or representation	Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Written notification about debt	I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.
Credit reporting company's investigation	I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. Please help
Trouble during payment process	AN UNKNOWN ERROR IS FALSELY REPORTING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. AND ALSO FALSELY REPORTING MANY LATES ON MY CREDIT REPORT IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX.
Communication tactics	This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.
Unauthorized transactions or other transaction problem	My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Communication tactics	I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....
Disclosure verification of debt	I had request a verification of the debt and the creditor has not done so.
Dealing with your lender or servicer	My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.
Incorrect information on credit report	I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.
Communication tactics	i am getting constant harassing phone calls and repeated threats from this company!
Struggling to pay mortgage	According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.
Incorrect information on credit report	Equifax report received from XXXX XXXX shows an employer in XXXX, CA. I have never worked in California. It also shows a late payment from 2003! That should no longer be there.
Incorrect information on your report	I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Managing, opening, or closing account	Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.
Took or threatened to take negative or legal action	i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX. they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.
Problem with a credit reporting company's investigation into an existing problem	I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts
Incorrect information on your report	Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.
Communication tactics	I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.
Problems caused by my funds being low	Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.
Managing the loan or lease	Payment is processed the day before due date.
Incorrect information on credit report	There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.
Dealing with my lender or servicer	I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.
Incorrect information on credit report	On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.
Cont'd attempts collect debt not owed	The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!
Disclosure verification of debt	I have disputed this debt and asked for verification of my responsibility for the account but never received it.
Unable to get credit report/credit score	I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.
Disclosure verification of debt	I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.
Improper use of your report	Equifax allowed hackers to steal my personal information including DOB, SSN, former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.
Incorrect information on your report	There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.
Incorrect information on your report	Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.
Credit determination	I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.
Incorrect information on your report	XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.
Disclosure verification of debt	Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.
Disclosure verification of debt	I requested a collection company to validate a debt which they have not and continue to report false information
Received a loan I didn't apply for	This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number
Cont'd attempts collect debt not owed	diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt
Credit reporting company's investigation	I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.
Took or threatened to take negative or legal action	XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO CAPITAL ONE BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED CAPITAL ONE BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
Incorrect information on your report	North American XXXX XXXX has been reporting their own estimation regarding XXXX closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and their answer is it takes time. These debts were settled more than 120 days ago.
Improper use of your report	This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
Struggling to pay your loan	This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.
Billing disputes	Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on
Problem with a credit reporting company's investigation into an existing problem	I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
False statements or representation	Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
Dealing with my lender or servicer	I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.
Can't repay my loan	I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.
Incorrect information on your report	I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.
Improper use of your report	West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.
Advertising and marketing	I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.
False statements or representation	I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.
Incorrect information on your report	Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! XXXX XXXX
Managing the loan or lease	Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.
Incorrect information on credit report	I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.
Incorrect information on credit report	I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Other	I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. I did that, legally and legitimately, but they would not let me use my points afterword. At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.
Other features, terms, or problems	I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? I am being punished for nothing.
Taking out the loan or lease	I experienced discrimination during the application or approval process.
Incorrect information on your report	XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.
Improper use of my credit report	Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations
Can't repay my loan	I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.
Incorrect information on credit report	trans union reporting late pymts, i
Written notification about debt	Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.
Attempts to collect debt not owed	I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is
Taking/threatening an illegal action	A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.
Credit reporting company's investigation	I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.
Trouble during payment process	Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.
Using a debit or ATM card	What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
Disclosure verification of debt	Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.
Getting the loan	10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.
Unauthorized transactions/trans. issues	I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.
Communication tactics	Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call
Cont'd attempts collect debt not owed	Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date
Improper use of your report	I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Loan servicing, payments, escrow account	XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...
Cont'd attempts collect debt not owed	My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.
Cont'd attempts collect debt not owed	I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!
Taking/threatening an illegal action	Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
Identity theft / Fraud / Embezzlement	XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.
Getting a loan	I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.
Incorrect information on credit report	A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.
Incorrect information on your report	equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation

Credit monitoring or identity protection

We paid for a one-time credit score from Experian and were signed up for a recurring service without our knowledge. Our account numbers are XXXX and XXXX. We are asking for a refund of all charges ( two months have not been refunded at this time ) which are {$19.00} for two months for XXXX people - approximately {$80.00} total.

Incorrect information on credit report

I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?

Struggling to repay your loan

I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.

Incorrect information on your report

XXXX has reported that I have a store credit card with them and it just hit my credit reports. I do not have a XXXX card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

Problems caused by my funds being low

I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?

Making/receiving payments, sending money

I would like to lodge a formal complaint about the customer service I received from Wells Fargo Bank employee XXXX on XXXX XXXX 2016 and she is based in XXXX. Her employee ID is XXXX and she is based in XXXX AZ She was not helpful on the phone and I was called Madam several times, even when I told her I was a man. I would like an formal apology from Wells Fargo and she should be disciplined by management.

Taking/threatening an illegal action

Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.

Incorrect information on your report

No contract Company Refused to COMPLETELY validate the debt per federal guidelines Insufficient response

Improper use of your report

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

Attempts to collect debt not owed

XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.

Cont'd attempts collect debt not owed

I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.

Credit monitoring or identity protection

i was trying to remove a security freeze on done with Experian. for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists

Written notification about debt

on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.

Credit reporting company's investigation

I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.

Incorrect information on your report

I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

Fraud or scam

My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..

False statements or representation

Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Written notification about debt

I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.

Credit reporting company's investigation

I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. Please help

Trouble during payment process

AN UNKNOWN ERROR IS FALSELY REPORTING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. AND ALSO FALSELY REPORTING MANY LATES ON MY CREDIT REPORT IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, XX/XX/XXXX.

Communication tactics

This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.

Unauthorized transactions or other transaction problem

My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Communication tactics

I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....

Disclosure verification of debt

I had request a verification of the debt and the creditor has not done so.

Dealing with your lender or servicer

My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.

Incorrect information on credit report

I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.

Communication tactics

i am getting constant harassing phone calls and repeated threats from this company!

Struggling to pay mortgage

According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.

Incorrect information on credit report

Equifax report received from XXXX XXXX shows an employer in XXXX, CA. I have never worked in California. It also shows a late payment from 2003! That should no longer be there.

Incorrect information on your report

I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

Managing, opening, or closing account

Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.

Took or threatened to take negative or legal action

i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX. they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.

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

I have send multiple dispute letters to Transunion in XXXX and XXXX and I have not received anything from them to this day. I sent the letters certified and have copies of the return receipts

Incorrect information on your report

Westlake financial is reporting to the credit bureaus that my car has been repossessed and the account is closed. I still have the car in my possession, and current on payments. They have destroyed my credit.

Communication tactics

I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.

Problems caused by my funds being low

Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.

Incorrect information on your report

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

Incorrect information on your report

I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.

Managing the loan or lease

Payment is processed the day before due date.

Incorrect information on credit report

There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.

Dealing with my lender or servicer

I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.

Incorrect information on credit report

On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.

Cont'd attempts collect debt not owed

The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!

Disclosure verification of debt

I have disputed this debt and asked for verification of my responsibility for the account but never received it.

Unable to get credit report/credit score

I went to annualcreditreport.com this month to obtain my free reports. For the past 4 years, Equifax has been the only CRA that refuses to grant me online access to my report. They always deny access and instruct me to request my report in writing. Again, this is the fourth consecutive year. I complained about this once before ( a couple of years ago ) to CFPB, and Equifax mailed my credit report at that time. Please fix this.

Disclosure verification of debt

I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.

Improper use of your report

Equifax allowed hackers to steal my personal information including DOB, SSN, former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.

Incorrect information on your report

There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.

Incorrect information on your report

Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.

Credit determination

I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.

Incorrect information on your report

XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Disclosure verification of debt

Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.

Disclosure verification of debt

I requested a collection company to validate a debt which they have not and continue to report false information

Received a loan I didn't apply for

This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number

Cont'd attempts collect debt not owed

diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt

Credit reporting company's investigation

I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.

Took or threatened to take negative or legal action

XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO CAPITAL ONE BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED CAPITAL ONE BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.

Incorrect information on your report

North American XXXX XXXX has been reporting their own estimation regarding XXXX closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and their answer is it takes time. These debts were settled more than 120 days ago.

Improper use of your report

This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.

Struggling to pay your loan

This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.

Billing disputes

Citibank is charging a late fee on top of a late fee on a closed account I paid the first late fee and they refused to remove the secondlate fee even though they can, so I can move on

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

I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

False statements or representation

Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.

Dealing with my lender or servicer

I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.

Can't repay my loan

I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.

Incorrect information on your report

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.

Improper use of your report

West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.

Advertising and marketing

I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.

False statements or representation

I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.

Incorrect information on your report

Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! XXXX XXXX

Managing the loan or lease

Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.

Incorrect information on credit report

I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.

Incorrect information on credit report

I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Other

I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. I did that, legally and legitimately, but they would not let me use my points afterword. At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.

Other features, terms, or problems

I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? I am being punished for nothing.

Taking out the loan or lease

I experienced discrimination during the application or approval process.

Incorrect information on your report

XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.

Improper use of my credit report

Contact equifax regarding my credit the ask me XXXX question and XXXX of them was what credit card I and how much you owe on it that something a individual remember off the top of they head. Please investigate the Equifax on all products and services and ensure they are working to United States Federal Regulations

Can't repay my loan

I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.

Incorrect information on credit report

trans union reporting late pymts, i

Written notification about debt

Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.

Attempts to collect debt not owed

I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is

Taking/threatening an illegal action

A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.

Credit reporting company's investigation

I challenged several items that were duplicated in my credit report that are affecting my credit and the information they are verifiying is not accurate, i contact the creditor and they told me to contact the credit burau since they are not reporting that and they do not provide who they verify the information with. Is hard to reach someone to speck with.

Trouble during payment process

Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.

Using a debit or ATM card

What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.

Disclosure verification of debt

Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.

Getting the loan

10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.

Unauthorized transactions/trans. issues

I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.

Communication tactics

Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call

Cont'd attempts collect debt not owed

Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date

Improper use of your report

I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.

Loan servicing, payments, escrow account

XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...

Cont'd attempts collect debt not owed

My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.

Cont'd attempts collect debt not owed

I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!

Taking/threatening an illegal action

Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

Identity theft / Fraud / Embezzlement

XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.

Getting a loan

I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.

Incorrect information on credit report

A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.

Incorrect information on your report

equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation