determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Improper use of your report	Unauthorized inquiry.
Struggling to pay mortgage	I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home
Cont'd attempts collect debt not owed	I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.
Disclosure verification of debt	I had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX
Cont'd attempts collect debt not owed	Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.
Unable to get your credit report or credit score	I tried to get my free annual credit reports on XXXX XXXX, 2017, which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.
Credit reporting company's investigation	I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Disclosure verification of debt	There was no signature or contract verification of this debt
Cont'd attempts collect debt not owed	Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.
Problems when you are unable to pay	I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.
False statements or representation	This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.
Cont'd attempts collect debt not owed	The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
Communication tactics	I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.
Incorrect information on credit report	Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Attempts to collect debt not owed	THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX
Written notification about debt	Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.
Cont'd attempts collect debt not owed	I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls.
Incorrect information on your report	Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts
Improper contact or sharing of info	Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.
Incorrect information on your report	XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.
Incorrect information on your report	I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''
Dealing with my lender or servicer	I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?
Communication tactics	They call me every single day several times a day. They use a private number so I cant see who is calling or even call me back. They leave voicemails that are threatening me.
Incorrect information on your report	Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.
Improper contact or sharing of info	THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.
Loan servicing, payments, escrow account	I 'm being given the run around for over a week. Over a week and still can not access my mortgage account online. Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues.
Trouble during payment process	Loan care did n't apply payments received then forced placed insurance on my home then filed foreclosure on my home will in foreclosure they credited me for forceplace I filed class action for forceplace they settled the case out of court but still I 'm in foreclosure please help me.
Dealing with my lender or servicer	I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Communication tactics	They call XXXX times a day
Improper use of your report	Fraudulent inquiries
Improper use of my credit report	I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS
Unable to get credit report/credit score	For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.
Communication tactics	collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone
Incorrect information on your report	A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Cont'd attempts collect debt not owed	GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. They are rude and upsetting to me because the lady keeps saying she does n't care my son died.
Incorrect information on your report	Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Written notification about debt	I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Communication tactics	Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX
Incorrect information on credit report	Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX
False statements or representation	Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.
Struggling to pay your loan	I believe santander consumer is in violation of repossession back in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by XXXX Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.
Incorrect information on credit report	New York Tax Lien - was never notified, not verified or accurate
Fraud or scam	I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!
Billing disputes	I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.
Other transaction problem	I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.
Cont'd attempts collect debt not owed	I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..
Cont'd attempts collect debt not owed	All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.
Loan modification,collection,foreclosure	Lender not willing to postpond sheriff sale even with complete short sale packet. We have a buyer, HUD, listing, financials, everything they are requesting
Credit reporting company's investigation	Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. I do not wish to file a lawsuit. See attached.
Incorrect information on credit report	Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.
Dealing with my lender or servicer	An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.
Fraud or scam	I sent my item and never got my payment. I 've waited 2 months and my payment never was received I 've been robbed!
Managing, opening, or closing account	Paypal has limited my account such that I can not withdraw anything and is withholding the balance of my account for 6 months.
Problem with a credit reporting company's investigation into an existing problem	Multiple attempts to request action to prove and or remove delinquency to no avail
Incorrect information on your report	after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
Incorrect information on your report	Upon reviewing my credit report I mailed a XXXX letter on XXXX XXXX , 2017 by certified mail in order to remove an account that is on my account due to fraudulent activity. On XXXX XXXX , 2017 i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from XXXX and would like this account to be deleted from my report.
Incorrect information on credit report	I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report
Cont'd attempts collect debt not owed	This is not mine was opened in my name not by me and this should be taken off my credit thank you
Dealing with my lender or servicer	Navient student loans calls us 3x a day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.
Written notification about debt	Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.
Incorrect information on your report	This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.
Incorrect information on your report	XXXX XXXX, XXXX its show XXXX days late I traded my car in to XXXX XXXX XXXX in XXXX XXXX and they made they paid my remaining balance off late I want it removed
Improper use of my credit report	Been advised by XXXX XXXX XXXX that they will not provide quotation due to negative report by Trans Union. Contacted Trans Union and they deny and only send credit reports.. No explanation, and credit score is XXXX, XXXX XXXX!!. XXXX no help and continues to refer to Trans Union. Both entities " passing the buck '' and no concrete answers. This is damaging and a " first '' to my reputation. of 87 years! Respectfully Submitted
Incorrect information on your report	XXXX XXXX is reporting an account that is fraud
Account opening, closing, or management	I had a party added to my account without my authorization. The party was added and logged under the banks system in XX/XX/2003 but this was not physically possible. The bank claims that I signed a blank form and that provides authorization. This 3rd party has a bank levy that 's impacting my accounts as well for a debt that I do n't owe. The bank refuses to remove the 3rd party without his signature but added his name without my authorization
Written notification about debt	I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.
Incorrect information on your report	This is not a dispute for debt, this is a request to remove a name that does not belong to me.
Written notification about debt	Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
Cont'd attempts collect debt not owed	I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Credit line increase/decrease	Discover reduced my credit limit by {$1000.00} as soon as I paid the balance down {$1000.00}. This despite having an excellent payment history with them.
Improper use of your report	Data Breach of my personal information as dated XXXX XXXX, 2017.
Took or threatened to take negative or legal action	In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.
Incorrect information on credit report	I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. Equifax has been a horrible experience for their credit reporting.
Cont'd attempts collect debt not owed	This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.
Managing the loan or lease	I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.
Loan servicing, payments, escrow account	Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.
Communication tactics	The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
Charged fees or interest I didn't expect	My loan was sent to collections without my knowledge. Has charged additional fees
Cont'd attempts collect debt not owed	medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report
Unable to get your credit report or credit score	Transunion refuses to provide me my free annual report. This has been a problem for the last 5 years. Transunion does not allow me to view my report online.
Incorrect information on credit report	# XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?
Improper use of your report	XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
Incorrect information on your report	I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX. This inquiry was not authorized by me.
Managing an account	On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.
Managing the loan or lease	Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX
Incorrect information on credit report	A collection was deleted from my credit reports with XXXX XXXX bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.
Incorrect information on your report	On XXXX XXXX , XXXX , I was checking my credit report and saw a hard inquiry from XXXX ( XXXX XXXX XXXX XXXX ) Last Reported by Equifax XXXX XXXX , XXXX . I did not apply for a credit card from XXXX or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.
Incorrect information on credit report	Due to fraudulent activities on my credit report, the following addresses were added. 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Charged fees or interest I didn't expect	i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest
Other	Dillards is reporting that I have a balance. When I called. there is no record of me.
Cont'd attempts collect debt not owed	Lien Enforcement INC is trying to collect a debt on a vehicle that I have not owned in years. This company has sold this vehicle and now is wanting storage fees for this vehicle that I have not owned for years.
Incorrect information on credit report	XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
Cont'd attempts collect debt not owed	CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..
Disclosure verification of debt	I have not received anything in writing. They just started telephoning me and my family over the last 2 days. they contacted my sister in Minnesota to try to track me downthey contacted my mother at home to try to track me downthe calls I rec 'd was a recorded message from a loud woman screaming that This is an attempt to locate the whearabouts of myself.
Billing disputes	You guys emailed me a secure link for me to up load proof of my dispute with XXXX XXXX. I now have proof of my leasing agreement. It looks like the link no long works. Please provide me a new link.
Cont'd attempts collect debt not owed	The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.
Incorrect information on credit report	On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent XXXX XXXX
Cont'd attempts collect debt not owed	I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.
Loan servicing, payments, escrow account	We have been requesting a loan modification from Wells Fargo in reference to our consumer. He is XXXX year old man working as an attorney and need to find a solution for him to stay in there home. We have submitted all require documents to Wells Fargo.

Incorrect information on your report

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

Improper use of your report

Unauthorized inquiry.

Struggling to pay mortgage

I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home

Cont'd attempts collect debt not owed

I was charge for services not rendered. Letter sent explaining issue. Physician in XXXX at XXXX Hospital, XXXX XXXX, Ca refused to treat me, so I went to another facility. They are trying to collect on services not rendered. XXXX XXXX XXXX XXXX and CA XXXX XXXX XXXX have turn the claim over to a Collection Agency, Stanislaus Credit Control Services , Inc. in XXXX, CA.

Disclosure verification of debt

I had tow account in collection that are on my credit report with Midland Credit management that are over 8 years of age and no responce from XXXX and one account is not mind XXXX

Cont'd attempts collect debt not owed

Made many attempts to contact XXXX to see why this exists and who it belongs to. They have not provided a legitimate answer as the reps do n't ha e access to view as it has been transferred to another department. I am sure the debt is not mine as I currently have an active XXXX account that is in good standing and was given to me with no issues.

Unable to get your credit report or credit score

I tried to get my free annual credit reports on XXXX XXXX, 2017, which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.

Credit reporting company's investigation

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Disclosure verification of debt

There was no signature or contract verification of this debt

Cont'd attempts collect debt not owed

Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.

Problems when you are unable to pay

I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.

False statements or representation

This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.

Cont'd attempts collect debt not owed

The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.

Communication tactics

I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.

Incorrect information on credit report

Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Attempts to collect debt not owed

THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX

Written notification about debt

Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.

Cont'd attempts collect debt not owed

I keep recieving calls to collect a debt for someone that use to have this telephone number. I am not that person and do not know them yet I keep getting calls.

Incorrect information on your report

Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Improper contact or sharing of info

Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.

Incorrect information on your report

XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. Reporting over {$5000.00} on my credit report fraudulently. I do not owe them any money whatsoever, as I never signed a contract or lease. Several attempts to contact the company with proof of lease have been unsuccessful, and their website now appears as " suspended. '' This needs to be removed from my credit report. This took place in XXXX of 2014.

Incorrect information on your report

I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''

Dealing with my lender or servicer

I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?

Communication tactics

They call me every single day several times a day. They use a private number so I cant see who is calling or even call me back. They leave voicemails that are threatening me.

Incorrect information on your report

Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.

Improper contact or sharing of info

THIS DEBT IS FROM 2008, ALMOST 9 YEARS OLD, AND IS BEING REPACKAGED AND SOLD TO FINEX GROUP ( A COLLECTION AGENCY ) AS A NEW DEBT. IT 'S BEING REPORTED TO THE CREDIT BUREAUS AS CURRENT. THE ACCOUNT NUMBER IS XXXX.

Loan servicing, payments, escrow account

I 'm being given the run around for over a week. Over a week and still can not access my mortgage account online. Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues.

Trouble during payment process

Loan care did n't apply payments received then forced placed insurance on my home then filed foreclosure on my home will in foreclosure they credited me for forceplace I filed class action for forceplace they settled the case out of court but still I 'm in foreclosure please help me.

Dealing with my lender or servicer

I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Communication tactics

They call XXXX times a day

Improper use of your report

Fraudulent inquiries

Improper use of my credit report

I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS

Unable to get credit report/credit score

For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.

Communication tactics

collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone

Incorrect information on your report

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

Cont'd attempts collect debt not owed

GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. They are rude and upsetting to me because the lady keeps saying she does n't care my son died.

Incorrect information on your report

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

Written notification about debt

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Communication tactics

Diversified has called my personal phone, sent letter to my home and now they sent emails to my address with personal info with out my consent nor even knowing if that email was indeed mine- saying they purchased this debt in which i never applied for a pay day loan w/ XXXX XXXX XXXX

Incorrect information on credit report

Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX

False statements or representation

Accusing us of living in a closed state, thus excusing them of responsibilities of sending us itemized debts owed, a phantom cost of {$300.00} is being reported that we owe them. They are not giving information and refuse to send anything to us. We 've faithfully paid every medical bill, but they are harassing us about this.

Struggling to pay your loan

I believe santander consumer is in violation of repossession back in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by XXXX Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.

Incorrect information on credit report

New York Tax Lien - was never notified, not verified or accurate

Fraud or scam

I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!

Billing disputes

I have been battling with Barclay Bank for almost a year, they have over-charged me on interest fees and late fees which are not valid. I can not seem to get anywhere with them and my balance never decreases. I have contacted them and I need immediate assistance with this.