determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Credit decision / Underwriting	I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.
Account opening, closing, or management	I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )
Attempts to collect debt not owed	The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.
Billing disputes	I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Account opening, closing, or management	Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.
Other fee	I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. I closed this account on XXXX day after this fee appeared in the monthly statement. Customer service refused to refund the annual fee either in full or pro-rated.
Cont'd attempts collect debt not owed	This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.
Can't repay my loan	These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.
Taking out the loan or lease	TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars
Disclosure verification of debt	In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
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.
Making/receiving payments, sending money	Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.
Unauthorized transactions/trans. issues	PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.
Disclosure verification of debt	CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU
Incorrect information on your report	pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid
Improper use of your report	I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.
Billing disputes	I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.
Trouble during payment process	Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.
Managing the loan or lease	On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.
Written notification about debt	Unknown account and no way I owe this, requesting validation and verification.
Transaction issue	Had a series of fraudulent transactions on my USAA Credit card. Unable to determine which ones were resolved in my favor and which ones were not. Charge reposted for ( {$360.00} ) on XXXX XXXX, 2016.
Loan modification,collection,foreclosure	I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.
Cont'd attempts collect debt not owed	Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.
Attempts to collect debt not owed	THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT
Dealing with my lender or servicer	XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.
Unable to get credit report/credit score	Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??
Settlement process and costs	We are ready to sell our home and we need a Corrected Satisfaction from Chase Bank
Can't repay my loan	promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX
Improper use of your report	The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers. I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.
Problems caused by my funds being low	Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.
Loan servicing, payments, escrow account	I have been trying to get PMI removed for 2 years
Incorrect information on credit report	They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.
Incorrect information on credit report	I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file
Incorrect information on your report	I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.
Application, originator, mortgage broker	HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't
Application, originator, mortgage broker	We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. We are unsure of what they are doing
Communication tactics	I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.
Improper use of my credit report	I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.
Incorrect information on credit report	Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Incorrect information on your report	Company has changed my open date to XXXX, provide verification documents.
Incorrect information on credit report	this not my credit card # XXXX so please remove from all XXXX reports. thank you
Struggling to pay your loan	2016 year I do not want to be called nor harassed by any payday loan debt collect.
Improper use of your report	On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.
False statements or representation	This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.
Incorrect information on credit report	My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records
Disclosure verification of debt	Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.
Problems caused by my funds being low	I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.
Communication tactics	This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.
Incorrect information on credit report	I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.
Billing disputes	This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file
Communication tactics	I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.
Trouble during payment process	My mortgage was with XXXX then they sold to Shellpoint, after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on XXXX / XXXX / XXXX to appeal withing 30 days, today is XXXX XXXX and my housing counselor j ust found out that I have a sale date for XXXX XXXX , XXXX
Credit reporting company's investigation	XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. Thank you
Charged fees or interest you didn't expect	On XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00} ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.
Cont'd attempts collect debt not owed	Loan was opened by mother who has similar name and signature as me.
Communication tactics	I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action
Credit reporting company's investigation	My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).
Improper use of your report	I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.
Communication tactics	I owe my XXXX credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes later I will receive another call from the company.
Cont'd attempts collect debt not owed	Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
Improper use of your report	I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
Communication tactics	Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.
Communication tactics	This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? unreal! they call asking for me. Also I have never used his number in any bank or credit applications.
Attempts to collect debt not owed	I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.
Charged fees or interest I didn't expect	I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.
Problem with a credit reporting company's investigation into an existing problem	ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.
Disclosure verification of debt	The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.
False statements or representation	My account was disconcted last year because i could n't work with the payment on XXXX 2015. The amount they are reporting is almost 5 times more that it originally was ... And will not pay something i do n't owe.
Other transaction problem	Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.
Communication tactics	Calls 6 times a day and very rude when i answer
Incorrect information on credit report	My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Incorrect information on credit report	Experian, XXXX, and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
Dealing with your lender or servicer	NAVIENT collected via wage garnishment {$5900.00} in excess.
Cont'd attempts collect debt not owed	I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.
Dealing with my lender or servicer	My original payment was set at {$50.00} around XX/XX/XXXX. I called to get my limit raised to {$190.00} since I can afford more to autopay each month. Each month only {$0.00} comes out. I 've called since this first happened in XX/XX/XXXX and Navient said the next payment should be {$190.00}, but that has yet to happen. I 've ended up paying more interest than I would have if I my autopay could actually take the correct about of money out.
Incorrect information on credit report	The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!
Loan servicing, payments, escrow account	We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.
Disclosure verification of debt	no consent given or obtained by me for this debt, no contract signed
Communication tactics	This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics
Incorrect information on credit report	Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.
Improper use of your report	I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.
Incorrect information on credit report	Equifax has reinserted unverifiable accounts.
Dealing with my lender or servicer	I was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.
Dealing with my lender or servicer	Current loans are thru navient and they are all outstandintg. Over past couple years it appears that my interest rate has triple and made it hard for me to ever repay and on top of that it is really effecting my credit.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.
Communication tactics	Repeated calls and unwarranted contact
Problem with a credit reporting company's investigation into an existing problem	I previous wrote Equifax in regards to an item ( Bankrupty caseXXXX ) on my credit report. To this date they have never replied to my complaint and the item remains on my report showing as " In dispute '' .. its been like that for more than 90 days
Incorrect information on your report	US department of education has been turning me into collections and reporting me to the credit bureau as not making payments on my student loans. I have an automatic payment pulled from my account every month. In addition, I have had my wages and tax returns garnished. I have proof that I have submitted appropriate paperwork for deferment for XXXX and XXXX, and can show payments started in XXXX.
Using a debit or ATM card	yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information
Incorrect information on credit report	There is an count on my credit report that I have disputed before. I have requested to see the proof provided to the credit bureau to provide proof of debt and I have yet to receive this information to date.
Managing an account	I use a company called XXXX XXXX that lets me borrow against my own pay from work. My bank isnt properly communicating with the company.
Account opening, closing, or management	I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.
Attempts to collect debt not owed	This debt does not belong to me, so I sent a letter out to the company to ask them to remove the account from my credit report and the company has not responded. It has been over 45 days.
Cont'd attempts collect debt not owed	They need to quit contacting me over a debt I do not owe.
Cont'd attempts collect debt not owed	I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.
Bankruptcy	XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned
Incorrect information on your report	I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the information.
Incorrect information on credit report	XXXX from Experian/XXXX states that I do not have the right ( by federal law ) to dispute or put in an investigation on credit inquires that were not authorized by me That all credit inquires will stay on my credit for 2 years whether there verified as valid or not
Problem with a credit reporting company's investigation into an existing problem	I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.

Credit decision / Underwriting

I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.

Account opening, closing, or management

I had an account with Fifth Third Bank. I had an alert sent to me on when a payment was due. I closed the account yet they continue to send me the alerts on the payment due. I have talked to multiple people at Fifth Third, spending hours on the phone, and asked them to stop these emails, and they have not stopped. The emails do NOT contain an unsubscribe option ( is n't that a violation of the CAN SPAMM act?? )

Attempts to collect debt not owed

The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX XXXX. The EOB confirming this information will be attached to this complaint.

Billing disputes

I called to cancel this membership. I do n't even remember calling them. That is not to say that I did n't ... I just honestly do n't remember. When I called to cancel and get {$39.00} refunded to my credit card I was told that it would be placed back in my account in 3-5 business days. That never happened. THen I received an email saying that the request was not approved.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Account opening, closing, or management

Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.

Other fee

I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. I closed this account on XXXX day after this fee appeared in the monthly statement. Customer service refused to refund the annual fee either in full or pro-rated.

Cont'd attempts collect debt not owed

This is not my debt. I 've told these people this repeatedly. It 's for some wildlife books or something. I never ordered them. I 've spoke to reps multiple times. I 'm very aggravated they can just claim I owe this then turn me in for collections.

Can't repay my loan

These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.

Taking out the loan or lease

TD Bank has a loan on my credit report that no longer exists it 's for XXXXplus dollars

Disclosure verification of debt

In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).

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.

Making/receiving payments, sending money

Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.

Unauthorized transactions/trans. issues

PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.

Disclosure verification of debt

CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU

Incorrect information on your report

pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid

Improper use of your report

I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

Billing disputes

I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.

Trouble during payment process

Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.

Managing the loan or lease

On XXXX/XXXX/2016 I sent of a promissory note to payoff my loan with Santander Consumer USA. It was sent by Registered mail and was delivered XXXX/XXXX/2016. I received a letter from Santander Consumer USA stating that they do not accept my note however they did not return it to me either. The note was for {$14000.00}. The tracking on the delivery of the note is XXXX.

Written notification about debt

Unknown account and no way I owe this, requesting validation and verification.

Transaction issue

Had a series of fraudulent transactions on my USAA Credit card. Unable to determine which ones were resolved in my favor and which ones were not. Charge reposted for ( {$360.00} ) on XXXX XXXX, 2016.

Loan modification,collection,foreclosure

I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.

Cont'd attempts collect debt not owed

Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.

Attempts to collect debt not owed

THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

Dealing with my lender or servicer

XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.

Unable to get credit report/credit score

Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??

Settlement process and costs

We are ready to sell our home and we need a Corrected Satisfaction from Chase Bank

Can't repay my loan

promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX

Improper use of your report

The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers. I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.

Problems caused by my funds being low

Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.

Loan servicing, payments, escrow account

I have been trying to get PMI removed for 2 years

Incorrect information on credit report

They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

Incorrect information on credit report

I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file

Incorrect information on your report

I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.

Application, originator, mortgage broker

HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't

Application, originator, mortgage broker

We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. We are unsure of what they are doing

Communication tactics

I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.

Improper use of my credit report

I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.

Incorrect information on credit report

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

Incorrect information on your report

Company has changed my open date to XXXX, provide verification documents.

Incorrect information on credit report

this not my credit card # XXXX so please remove from all XXXX reports. thank you

Struggling to pay your loan

2016 year I do not want to be called nor harassed by any payday loan debt collect.

Improper use of your report

On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.

False statements or representation

This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.

Incorrect information on credit report

My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records

Disclosure verification of debt

Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.

Problems caused by my funds being low

I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.

Communication tactics

This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.

Incorrect information on credit report

I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.

Billing disputes

This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file

Communication tactics

I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.

Trouble during payment process

My mortgage was with XXXX then they sold to Shellpoint, after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on XXXX / XXXX / XXXX to appeal withing 30 days, today is XXXX XXXX and my housing counselor j ust found out that I have a sale date for XXXX XXXX , XXXX

Credit reporting company's investigation

XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. Thank you

Charged fees or interest you didn't expect

On XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00} ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.

Cont'd attempts collect debt not owed

Loan was opened by mother who has similar name and signature as me.

Communication tactics

I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action

Credit reporting company's investigation

My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).

Improper use of your report

I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.

Communication tactics

I owe my XXXX credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes later I will receive another call from the company.

Cont'd attempts collect debt not owed

Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.

Improper use of your report

I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

Communication tactics

Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.

Communication tactics

This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? unreal! they call asking for me. Also I have never used his number in any bank or credit applications.

Attempts to collect debt not owed

I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.

Charged fees or interest I didn't expect

I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.

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

ATTEMPTED TO RESOLVE REPORTING PROBLEM WITH ALL THREE COMPANIES : XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. THERE ARE ISSUES REGARDING OPEN DATES, DATE LAST REPORTED AND WHEN ACCOUNT CLOSED.

Disclosure verification of debt

The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.

False statements or representation

My account was disconcted last year because i could n't work with the payment on XXXX 2015. The amount they are reporting is almost 5 times more that it originally was ... And will not pay something i do n't owe.