determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Credit reporting company's investigation	They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. Thank you for your help
Incorrect information on your report	My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Improper use of your report	Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.
Incorrect information on credit report	The BK that is showing on all CB has past its term of limitation of reporting. I ask for all XXXX CB to remove the BK off my record.
Incorrect information on credit report	XXXX are reporting a debt that does not belong to me. Please handle and remove from my credit report
Attempts to collect debt not owed	I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.
Incorrect information on credit report	Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.
Deposits and withdrawals	I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.
Bankruptcy	I WILL LIKE TO HAVE AMERICAN EXPRESS TO FORGIVE MY DEBT, I CAN NOT PAY THE CREDIT CARDS WITH UNEXEPMT FUNDS ( UNEMPLOYMENT INSURANCE ).
Account opening, closing, or management	Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.
Cont'd attempts collect debt not owed	This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.
Settlement process and costs	JP Morgan Chase Bank was slow to process the refinance loan, requested more information, and then charged a $ XXXX fee in order to secure the promised rate after the lock-up expired.
Problem with a lender or other company charging your account	A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.
Advertising and marketing	This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.
Cash advance	On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.
Improper use of your report	My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.
Incorrect information on credit report	This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.
Incorrect information on your report	I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.
Trouble during payment process	Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.
Disclosure verification of debt	This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . XXXX XXXX, FL XXXX
Trouble during payment process	Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage. We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.
Dealing with your lender or servicer	Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.
Other service problem	They are not sending my banking information in a timely manner
Credit monitoring or identity protection	I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.
Communication tactics	I continually receive up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on XXXX and this problem increases my XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.
Improper use of your report	Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.
Cont'd attempts collect debt not owed	Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.
Deposits and withdrawals	On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.
Communication tactics	Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.
Application, originator, mortgage broker	Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?
Struggling to repay your loan	I can pay these loans either with my income.
Disclosure verification of debt	Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.
Loan servicing, payments, escrow account	I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.
Disclosure verification of debt	I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.
Can't repay my loan	I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.
Cont'd attempts collect debt not owed	I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.
Charged fees or interest I didn't expect	This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.
Incorrect information on credit report	Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers.
Improper use of your report	Non compliance of FCRA and XXXX XXXX compliance.
Improper use of your report	There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months
Improper use of your report	I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.
Incorrect information on credit report	I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property.
Improper use of your report	Equifax breached all of my personal info to cyber attackers : XXXX XXXX XXXX Apparently they knew of this breach for 2 months and did nothing about it, now all of my personal information is in these cyber attackers hands to sell ...
Taking out the loan or lease	These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.
Taking/threatening an illegal action	I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. This credit card is over 10 years old.
Can't repay my loan	I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX
Incorrect information on credit report	I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.
Incorrect information on your report	I originally had student loans throught Department of Education, XXXX ... in XXXX of XXXX I consolidated all of my federal loans through XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
Incorrect information on your report	An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.
Incorrect information on your report	Company continues to report this account which is not mine on my credit report.
Incorrect information on your report	XXXX XXXX XXXX XXXX keep putting information on XXXX, Transunion and XXXX stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. This is causing my credit score to drop and shows damaging information on collections I do not have.
Charged bank acct wrong day or amt	I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.
Other features, terms, or problems	I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.
Incorrect information on credit report	I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. I contacted the bank and credit bureaus with NO resolution
Cont'd attempts collect debt not owed	XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt
Incorrect information on your report	XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.
Credit reporting company's investigation	I submitted a written dispute to Experian. They replied stating that they will not reinvestigate my dispute due to credit grantor has verified its accuracy but they have not submitted the required proof to me.
Cont'd attempts collect debt not owed	I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.
Attempts to collect debt not owed	SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status. InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account. SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.
Attempts to collect debt not owed	On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to me.
Customer service / Customer relations	I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.
Account opening, closing, or management	I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault.
Rewards	The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.
Communication tactics	I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.
Cont'd attempts collect debt not owed	This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.
Problem with a credit reporting company's investigation into an existing problem	I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, Equifax and XXXX but I never heard any of you. I want my credit report updated and this account removed.
Advertising and marketing, including promotional offers	Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.
Incorrect information on credit report	XXXX XXXX offered me a payment plan but continues to report my gold card late. I have been paying XXXX dollars per month, but XXXX has not reported this agreement on my credit report.
Disclosure verification of debt	I have made several attempt s to get AFNI to verif y this debt through XXXX . They continue to send me a copy of a final bill from XXXX disregarding any of the other information I requested per my right to get validation of this debt.
Incorrect information on credit report	I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer
Disclosure verification of debt	Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.
Other transaction problem	A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.
Written notification about debt	Did not receive any correspondence of my right to dispute this debt prior to it being place on my credit report. Continued attempts to collect debt not owed.
Loan servicing, payments, escrow account	The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).
Incorrect information on your report	Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.
Customer service / Customer relations	Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). I made the payment that same day. Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.
Disclosure verification of debt	I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.
Incorrect information on your report	I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Incorrect information on your report	After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Account opening, closing, or management	question on PNC loan app. ask what is my race? why? discrimination issue.
Loan servicing, payments, escrow account	My mortgage company refuses to issue my 2014 year XXXX. I am a XXXX XXXX service member, serving an overseas assignment, that I had to request my CPA to file an tax extension since I can not get this tax document from my loan company.
Credit reporting company's investigation	I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.
Communication tactics	This company calls me repeatedly throughout the day, every day, of the week. From morning until night. They have never left a message. They use multiple numbers to call me from. It interrupts me at work. it interrupts me at home while I care for my young son. I have answered XXXX in the past but nobody communicated on the other line. They call XXXX times a day for months now.
Dealing with my lender or servicer	I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.
Incorrect information on credit report	Transunion is reporting XXXX bankruptcies on my credit report illegally. I disputed with Transunion and XXXX came back verified. Contact the courts and the say Credit Bureaus NEVER contact the courts to verify anything.
Incorrect information on your report	equifax let someone hack into their system and steal my id and they wont remove it after showing them the po report
Incorrect information on your report	Multiple inaccuracies on my credit report. Old and outdated information or items that should have been removed. I dont recognize a few items on my report, and Im trying to repair my credit so its very frustrating
Incorrect information on credit report	wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX
Incorrect information on your report	The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Incorrect information on credit report	XXXX Mortgage is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.
Unable to get credit report/credit score	The company is reporting my score too low and wo n't do anything about it.
Incorrect information on your report	Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Communication tactics	Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.
Incorrect information on your report	There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.
Disclosure verification of debt	Would like to make small payments they wo n't let me
Incorrect information on your report	Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.
Credit reporting company's investigation	I had contacted experian to remove a account from XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me. I have documentation from my XXXX account sign in.
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.
Settlement process and costs	XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.

Cont'd attempts collect debt not owed

I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help

Credit reporting company's investigation

They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. Thank you for your help

Incorrect information on your report

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

Improper use of your report

Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.

Incorrect information on credit report

The BK that is showing on all CB has past its term of limitation of reporting. I ask for all XXXX CB to remove the BK off my record.

Incorrect information on credit report

XXXX are reporting a debt that does not belong to me. Please handle and remove from my credit report

Attempts to collect debt not owed

I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.

Incorrect information on credit report

Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.

Deposits and withdrawals

I took a deposit to People 's Bank and deposited it.The following day when I sought a confirmation of the funds in the account it was not available. The next day as I followed up with inquiry to the tellers I was introduced to the manager that informed me that it was a counterfeit item ; thus reason for the results I recieved. When I asked for the number of the head of the fraud division I was threatened with removal by police force.

Bankruptcy

I WILL LIKE TO HAVE AMERICAN EXPRESS TO FORGIVE MY DEBT, I CAN NOT PAY THE CREDIT CARDS WITH UNEXEPMT FUNDS ( UNEMPLOYMENT INSURANCE ).

Account opening, closing, or management

Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.

Cont'd attempts collect debt not owed

This debt collector represent an auto insurance company. The insurance was cancelled before the next billing date. They insist that I owe them a bill. When they called, I tried to explain to them that I did not owe the payment, the caller had a rude and out rate attitude. Later I started getting harassing phone calls where they would call me and hang up when I answer.

Settlement process and costs

JP Morgan Chase Bank was slow to process the refinance loan, requested more information, and then charged a $ XXXX fee in order to secure the promised rate after the lock-up expired.

Problem with a lender or other company charging your account

A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.

Advertising and marketing

This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.

Cash advance

On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.

Improper use of your report

My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.

Incorrect information on credit report

This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.

Incorrect information on your report

I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

Trouble during payment process

Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.

Disclosure verification of debt

This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . XXXX XXXX, FL XXXX

Trouble during payment process

Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage. We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.

Dealing with your lender or servicer

Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.