determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/XXXX.
Unable to get your credit report or credit score	They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.
Problem with a purchase shown on your statement	I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX
Problem with fraud alerts or security freezes	REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Incorrect information on your report	XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Improper use of your report	CRA VIOLATION / NEVER LATE ON THE ACCOUNT. CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.
False statements or representation	paid off debt for XXXX sent me to collection for paid bill wo n't remove item.
Incorrect information on credit report	I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.
Dealing with my lender or servicer	Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own
Loan servicing, payments, escrow account	XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. Sincerely, XXXX, IL XXXX XXXX
Credit reporting company's investigation	Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.
Closing an account	I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.
Problem with a credit reporting company's investigation into an existing problem	I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
Incorrect information on your report	I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Incorrect information on credit report	I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them.
Problem with a credit reporting company's investigation into an existing problem	This account has not been verified according to FCRA, FDCPA, Federal and State consumer laws.
Managing an account	It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.
Incorrect information on credit report	I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL
Improper contact or sharing of info	I have received phone calls regarding money I do not owe.
Incorrect information on credit report	XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused.
Dealing with my lender or servicer	I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.
Cont'd attempts collect debt not owed	Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.
Credit reporting company's investigation	I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax
Unable to get credit report/credit score	I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!
Cont'd attempts collect debt not owed	This is not my debt, if it was I would have paid it.
Attempts to collect debt not owed	The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.
Disclosure verification of debt	I do not believe I am liable for this debt.
Cont'd attempts collect debt not owed	this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX
Communication tactics	I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.
Incorrect information on your report	Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them
Application, originator, mortgage broker	XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.
Loan servicing, payments, escrow account	Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.
Cont'd attempts collect debt not owed	I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.
Fraud or scam	I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID XXXX XXXX
Application, originator, mortgage broker	I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.
Charged fees or interest I didn't expect	ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!
Account opening, closing, or management	My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.
Problem with a credit reporting company's investigation into an existing problem	XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.
Disclosure verification of debt	I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.
Communication tactics	This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.
Incorrect information on credit report	There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.
Communication tactics	XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.
Incorrect information on credit report	First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?
Unable to get credit report/credit score	do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).
Dealing with my lender or servicer	My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much
Attempts to collect debt not owed	After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.
Incorrect information on your report	this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
Incorrect information on your report	I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months
APR or interest rate	Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.
Incorrect information on credit report	Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.
Cont'd attempts collect debt not owed	i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
Communication tactics	Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.
Problem with a purchase shown on your statement	I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.
Incorrect information on credit report	Incorrect names and address as well as employers name totally mispelled.
Disclosure verification of debt	I do not know what is this bill for?
Cont'd attempts collect debt not owed	I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.
Incorrect information on your report	in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
Managing an account	Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!
Application, originator, mortgage broker	Nationstar has been sending XXXX XXXX to home to forecloseNationstar does not have standing
Disclosure verification of debt	i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later
Cont'd attempts collect debt not owed	CMRE XXXX. XXXX XXXX. {$46.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Cont'd attempts collect debt not owed	I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.
False statements or representation	I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.
Other features, terms, or problems	Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.
Problem with a credit reporting company's investigation into an existing problem	There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Dealing with my lender or servicer	I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks
Closing/Cancelling account	I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. I contacted them and no one could give me a reason.
Incorrect information on your report	Credit companies deletes my collection for XXXX XXXX XXXX , XXXX and XXXX XXXX but then adds it back with a new date.
Incorrect information on credit report	I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. Thank you,
Improper use of your report	XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. Institutions must correct the culture of investing more into cybersecurity, not less.
Identity theft / Fraud / Embezzlement	First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account
Advertising and marketing, including promotional offers	We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.
Incorrect information on your report	My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Loan servicing, payments, escrow account	my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?
Struggling to repay your loan	The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.
Cont'd attempts collect debt not owed	I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.
Unable to get your credit report or credit score	Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.
Billing statement	Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.
Incorrect information on credit report	Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Unable to get credit report/credit score	Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.
Incorrect information on your report	I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized
Disclosure verification of debt	Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.
Problem when making payments	On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX
Problem when making payments	I havent a job for several months. When XXXX called asking to make payment I did n't have anyway to make payment of XXXX . so he called me a liar and told me how he knows I am lying ...
Incorrect information on your report	Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a XXXX so I can understand maybe the confusion but not after I 've disputed and shared this info with them.
Incorrect information on your report	I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting thanks
Written notification about debt	XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX and no help.
Incorrect information on credit report	This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.
Incorrect information on your report	I have a account XXXX XXXX XXXX is showing on Transunion and XXXX credit reports the account was investigated and deleted off XXXX and I have disputed with Transunion and XXXX via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Cont'd attempts collect debt not owed	Also collections refuses to stop reporting to XXXX even though account was discharged I never bankruptcy
Communication tactics	THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.
Incorrect information on credit report	Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.
Cont'd attempts collect debt not owed	I 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. Please help.
Wrong amount charged or received	Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away
Account opening, closing, or management	Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.
APR or interest rate	I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate
Incorrect information on your report	A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
Taking/threatening an illegal action	I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!
Unable to get your credit report or credit score	XXXX, Transunion and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.
Dealing with my lender or servicer	This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???

Incorrect information on credit report

I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/XXXX.

Unable to get your credit report or credit score

They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.

Problem with a purchase shown on your statement

I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX

Problem with fraud alerts or security freezes

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

Incorrect information on your report

XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

Improper use of your report

CRA VIOLATION / NEVER LATE ON THE ACCOUNT. CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.

False statements or representation

paid off debt for XXXX sent me to collection for paid bill wo n't remove item.

Incorrect information on credit report

I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.

Dealing with my lender or servicer

Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own

Loan servicing, payments, escrow account

XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. Sincerely, XXXX, IL XXXX XXXX

Credit reporting company's investigation

Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.

Closing an account

I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.

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

I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

Incorrect information on your report

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

Incorrect information on credit report

I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them.

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

This account has not been verified according to FCRA, FDCPA, Federal and State consumer laws.

Managing an account

It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.

Incorrect information on credit report

I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL

Improper contact or sharing of info

I have received phone calls regarding money I do not owe.

Incorrect information on credit report

XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused.

Dealing with my lender or servicer

I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.

Cont'd attempts collect debt not owed

Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.

Credit reporting company's investigation

I send out a dispute letter with Equifax which the received on XX/XX/2017 and I never received anything back of their investigation. I sent them a Letter to inform them that I was sending them a copy of my letter and they are not in accordance with the 1629e ( 8 ) of the dept collection practice act. I also sent out letters to XXXX and XXXX and received an investigation response but nothing from Equifax

Unable to get credit report/credit score

I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!

Cont'd attempts collect debt not owed

This is not my debt, if it was I would have paid it.

Attempts to collect debt not owed

The referenced company in this complaint never contacted me by way of us mail, telephone, or email regarding this account. The referenced company should not have of my information on file and are reporting a debt on my consumer profile in error. I have contacted this company by phone and was told that they do not have my information on file.

Disclosure verification of debt

I do not believe I am liable for this debt.

Cont'd attempts collect debt not owed

this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX

Communication tactics

I am called at least daily by Navient regarding student loan debt I co-signed for, starting the day it is over due, and continuing every day thereafter. They say " cease and desist '' is not applicable. The payment is {$390.00} per month and has never been more than 30 days behind.

Incorrect information on your report

Most accounts are changed off they need to be taking off also all the unclarified why all those hard hits are on my credit I have not done them

Application, originator, mortgage broker

XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.

Loan servicing, payments, escrow account

Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.

Cont'd attempts collect debt not owed

I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.

Fraud or scam

I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID XXXX XXXX

Application, originator, mortgage broker

I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.

Charged fees or interest I didn't expect

ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!

Account opening, closing, or management

My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.

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

XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.

Disclosure verification of debt

I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.

Communication tactics

This is Conn 's Home Plus and I am late on a payment and now they 're calling me XXXX, XXXX, sometimes XXXX times a day everyday.

Incorrect information on credit report

There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.

Communication tactics

XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.

Incorrect information on credit report

First I must apologize for submitting a dispute for the wrong credit reporting agency. My problem is having XXXX or XXXX hard copy reports for the purchase of a car. One company submitted a request thee times for my credit report for the car. Is this wrong?

Unable to get credit report/credit score

do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).

Dealing with my lender or servicer

My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much

Attempts to collect debt not owed

After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.

Incorrect information on your report

this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court

Incorrect information on your report

I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

APR or interest rate

Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.

Incorrect information on credit report

Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.

Cont'd attempts collect debt not owed

i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods

Communication tactics

Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.

Problem with a purchase shown on your statement

I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.

Incorrect information on credit report

Incorrect names and address as well as employers name totally mispelled.

Disclosure verification of debt

I do not know what is this bill for?

Cont'd attempts collect debt not owed

I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.

Incorrect information on your report

in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

Managing an account

Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me my money!

Application, originator, mortgage broker

Nationstar has been sending XXXX XXXX to home to forecloseNationstar does not have standing

Disclosure verification of debt

i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later

Cont'd attempts collect debt not owed

CMRE XXXX. XXXX XXXX. {$46.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Cont'd attempts collect debt not owed

I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.

False statements or representation

I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.

Other features, terms, or problems

Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.

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

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which is XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

Dealing with my lender or servicer

I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks

Closing/Cancelling account

I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. I contacted them and no one could give me a reason.

Incorrect information on your report

Credit companies deletes my collection for XXXX XXXX XXXX , XXXX and XXXX XXXX but then adds it back with a new date.

Incorrect information on credit report

I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. Thank you,

Improper use of your report

XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. Institutions must correct the culture of investing more into cybersecurity, not less.

Identity theft / Fraud / Embezzlement

First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account

Advertising and marketing, including promotional offers

We had a credit card open for XXXX year with Barclays Bank it was the arrival plus XXXX. They shut my account down due to undisclosed reasons and I can not redeem my reward points with I had earned I had XXXX points.

Incorrect information on your report

My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Loan servicing, payments, escrow account

my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?

Struggling to repay your loan

The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.

Cont'd attempts collect debt not owed

I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.

Unable to get your credit report or credit score

Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.

Billing statement

Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.

Incorrect information on credit report

Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Unable to get credit report/credit score

Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.

Incorrect information on your report

I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

Disclosure verification of debt

Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.

Problem when making payments

On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX

Problem when making payments

I havent a job for several months. When XXXX called asking to make payment I did n't have anyway to make payment of XXXX . so he called me a liar and told me how he knows I am lying ...

Incorrect information on your report

Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a XXXX so I can understand maybe the confusion but not after I 've disputed and shared this info with them.

Incorrect information on your report

I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting thanks

Written notification about debt

XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX and no help.

Incorrect information on credit report

This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all.

Incorrect information on your report

I have a account XXXX XXXX XXXX is showing on Transunion and XXXX credit reports the account was investigated and deleted off XXXX and I have disputed with Transunion and XXXX via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.

Cont'd attempts collect debt not owed

Also collections refuses to stop reporting to XXXX even though account was discharged I never bankruptcy

Communication tactics

THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.

Incorrect information on credit report

Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.

Cont'd attempts collect debt not owed

I 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. Please help.

Wrong amount charged or received

Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away

Account opening, closing, or management

Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.

APR or interest rate

I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate

Incorrect information on your report

A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

Taking/threatening an illegal action

I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!

Unable to get your credit report or credit score

XXXX, Transunion and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.

Dealing with my lender or servicer

This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???