determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper use of your report	I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Sale of account	I purchased a paint gun from XXXX, I paid {$250.00} and never received. I tried calling Paypal and the shipper but found not get an answer, I tried filing a claim with my credit card but they said to much time had past. We gave up and now reading this on XXXX I 'm hoping for justice.
Attempts to collect debt not owed	My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Can't repay my loan	I currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.
Credit card protection / Debt protection	Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund
Loan servicing, payments, escrow account	Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.
Incorrect information on credit report	I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?
Struggling to pay your loan	XXXX/XXXX is reporting inaccurate information on my credit file. They are reporting a balance of over {$8000.00} and I had the balance down to {$1000.00}. How could it now be 8x the amount I had owed/paid it down to? When I call them nobody can access my account. Nobody can help me & they just transfer me around. This is old & erroneous. How can a company just charge whatever they want!?
Cont'd attempts collect debt not owed	I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.
Communication tactics	I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.
Cont'd attempts collect debt not owed	This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.
Other fee	I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.
Making/receiving payments, sending money	I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.
Problem with fraud alerts or security freezes	I need the fraud alert removed. It 's okay now.
Incorrect information on your report	THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.
Communication tactics	They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.
Cont'd attempts collect debt not owed	I do not owe this they never provide proof when requested keeps putting this on my credit report
Dealing with your lender or servicer	Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.
Incorrect information on your report	loans show up on my report and its not mine, i have police report # XXXX Id theft
Struggling to repay your loan	They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.
Incorrect information on credit report	THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.
Improper use of your report	Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my report
Incorrect information on your report	Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all
Communication tactics	I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.
Attempts to collect debt not owed	Disputed account as not mine, express recovery continues to report on my credit files
Loan servicing, payments, escrow account	I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.
Cont'd attempts collect debt not owed	my personal information was used without my consent
Cont'd attempts collect debt not owed	There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. I should not be treated this way for something that I did not purchase or get the benefit of.
Problems when you are unable to pay	Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau
Incorrect information on your report	The car reposession was removed off my credit and now placed back.
Identity theft / Fraud / Embezzlement	I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.
Incorrect information on your report	Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.
Incorrect information on your report	This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.
Communication tactics	They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.
Trouble using your card	Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.
Loan modification,collection,foreclosure	My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.
Improper use of your report	On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.
Communication tactics	I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.
Problem with a credit reporting company's investigation into an existing problem	I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.
Incorrect information on your report	XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
Problem when making payments	I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Excessive fees	Beginning In XXXX of 2010, Global Client Solutions, XXXX, XXXX XXXX, collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month, they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint, nonetheless, I felt it my duty to report them.
Cont'd attempts collect debt not owed	I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
Cont'd attempts collect debt not owed	I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?
Credit reporting company's investigation	This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. XXXX
Incorrect information on your report	There are many mistake in my report, I have never paid late these accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Disclosure verification of debt	I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.
Problem with fraud alerts or security freezes	Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?
Managing the loan or lease	i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.
Dealing with your lender or servicer	I am being overcharged for interest
Improper use of your report	I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.
Problem with a credit reporting company's investigation into an existing problem	I have never been late on my XXXX accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
Incorrect information on credit report	As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.
Dealing with my lender or servicer	The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.
Cont'd attempts collect debt not owed	I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.
Identity theft protection or other monitoring services	You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.
False statements or representation	COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009
Problem with a purchase or transfer	On XXXX / XXXX / 2017 I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.
Incorrect information on credit report	I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.
Incorrect information on credit report	The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Loan servicing, payments, escrow account	Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.
Managing, opening, or closing account	They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.
Loan modification,collection,foreclosure	loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.
False statements or representation	They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016
Communication tactics	calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started
Improper use of your report	Several unathorized inquiries on my report
Incorrect information on your report	XXXX, XXXX, TRANSUNION IS REPORTING WRONG
Problem with a purchase shown on your statement	XXXX XXXX I had a bunch of fraudulent activity on my credit cards. I reported it to my bank ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.
Identity theft / Fraud / Embezzlement	I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.
Cont'd attempts collect debt not owed	XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!
False statements or representation	the company name is global client solutions LLC Is this company legitimet. Are there any complants against it.Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX
Rewards	On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.
Problem with fraud alerts or security freezes	https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this. Enter " XXXX '' as name and " XXXX '' as SSN
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
False statements or representation	Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!
Disclosure verification of debt	i have no idea why this XXXX is on my credit report or who it 's from
Incorrect information on your report	inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
Communication tactics	XXXX Forgot date Tried to make settlement but they asking more then I can effort
Identity theft / Fraud / Embezzlement	THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX XXXX
Incorrect information on credit report	I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Incorrect information on your report	I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to XXXX.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain
Improper contact or sharing of info	They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.
Cont'd attempts collect debt not owed	THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX
Taking/threatening an illegal action	received a call from evans law association at phone # XXXX they threaten that they had a law suit against me and rep was very rude and when she thought I hung up the phone she called me a loser. also threatened me if I did n't pay today that they would move forward. asked for proof of debt unable to provide proof of debt in U.S mail. This company have a lot of complaints for illegal practices.
Dealing with your lender or servicer	i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
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
Incorrect information on your report	The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.
Attempts to collect debt not owed	AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.
Credit reporting company's investigation	Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.
Communication tactics	Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.
Incorrect information on your report	XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.
Cont'd attempts collect debt not owed	The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.
Struggling to pay your loan	I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.
Improper use of your report	XXXX has posted several credit inquiries under my credit report that I do not recognize. - XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.
Dealing with my lender or servicer	they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.
Incorrect information on credit report	Experian is not responding to my numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.
Cont'd attempts collect debt not owed	This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed
Incorrect information on your report	uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
Improper use of your report	XXXX XXXX XXXX improperly performed an inquiry without my authorization.

Improper use of your report

I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Sale of account

I purchased a paint gun from XXXX, I paid {$250.00} and never received. I tried calling Paypal and the shipper but found not get an answer, I tried filing a claim with my credit card but they said to much time had past. We gave up and now reading this on XXXX I 'm hoping for justice.

Attempts to collect debt not owed

My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Can't repay my loan

I currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.

Credit card protection / Debt protection

Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund

Loan servicing, payments, escrow account

Wells Fargo used scare tactics and unprofessional & unhelpful advice re : underwater mortgage. I am XXXX and can not afford current payments.

Incorrect information on credit report

I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?

Struggling to pay your loan

XXXX/XXXX is reporting inaccurate information on my credit file. They are reporting a balance of over {$8000.00} and I had the balance down to {$1000.00}. How could it now be 8x the amount I had owed/paid it down to? When I call them nobody can access my account. Nobody can help me & they just transfer me around. This is old & erroneous. How can a company just charge whatever they want!?

Cont'd attempts collect debt not owed

I am still waiting on JJ Marshall to send me proof of this debt ( a debt breakdown for the balance that they are stating that I owe ) and I need to see proof of my signature. I also would like JJ Marshall to send me proof that I am obligated to pay them for this debt that they are stating that I owe. To date, I have not received any of these items. I do not owe any money to JJ Marshall or any other company.

Communication tactics

I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.

Cont'd attempts collect debt not owed

This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.

Other fee

I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.

Making/receiving payments, sending money

I had a checking account with my girlfriend. Her ex husband had an account there also with her name on it. His account was over drawn so they took my money out of my account for his debt owed to the bank. I want all my money back his debt has nothing to do with me.

Problem with fraud alerts or security freezes

I need the fraud alert removed. It 's okay now.

Incorrect information on your report

THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.

Communication tactics

They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.

Cont'd attempts collect debt not owed

I do not owe this they never provide proof when requested keeps putting this on my credit report

Dealing with your lender or servicer

Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.

Incorrect information on your report

loans show up on my report and its not mine, i have police report # XXXX Id theft

Struggling to repay your loan

They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.

Incorrect information on credit report

THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.

Improper use of your report

Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my report

Incorrect information on your report

Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all

Communication tactics

I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.

Attempts to collect debt not owed

Disputed account as not mine, express recovery continues to report on my credit files

Loan servicing, payments, escrow account

I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.

Cont'd attempts collect debt not owed

my personal information was used without my consent

Cont'd attempts collect debt not owed

There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. I should not be treated this way for something that I did not purchase or get the benefit of.

Problems when you are unable to pay

Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau

Incorrect information on your report

The car reposession was removed off my credit and now placed back.

Identity theft / Fraud / Embezzlement

I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.

Incorrect information on your report

Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.

Incorrect information on your report

This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.

Communication tactics

They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.

Trouble using your card

Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.

Loan modification,collection,foreclosure

My home was dual-tracked and sold at a foreclosure sale in Georgia on XXXX XXXX 2015 even though a modification application was in review. My previous CFPB Case # XXXX detailed overview of events just prior to and immediately following the foreclosure sale will be attached for reference.

Improper use of your report

On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.

Communication tactics

I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.

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

I had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.

Incorrect information on your report

XXXX student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Problem when making payments

I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Excessive fees

Beginning In XXXX of 2010, Global Client Solutions, XXXX, XXXX XXXX, collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month, they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint, nonetheless, I felt it my duty to report them.

Cont'd attempts collect debt not owed

I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.

Cont'd attempts collect debt not owed

I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?

Credit reporting company's investigation

This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. XXXX

Incorrect information on your report

There are many mistake in my report, I have never paid late these accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX

Disclosure verification of debt

I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.

Problem with fraud alerts or security freezes

Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?

Managing the loan or lease

i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.

Dealing with your lender or servicer

I am being overcharged for interest

Improper use of your report

I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.

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

I have never been late on my XXXX accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

Incorrect information on credit report

As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.

Dealing with my lender or servicer

The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.

Cont'd attempts collect debt not owed

I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.

Identity theft protection or other monitoring services

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.

False statements or representation

COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009

Problem with a purchase or transfer

On XXXX / XXXX / 2017 I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.

Incorrect information on credit report

I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.

Incorrect information on credit report

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

Loan servicing, payments, escrow account

Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.

Managing, opening, or closing account

They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.

Loan modification,collection,foreclosure

loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.

False statements or representation

They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016

Communication tactics

calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started

Improper use of your report

Several unathorized inquiries on my report

Incorrect information on your report

XXXX, XXXX, TRANSUNION IS REPORTING WRONG

Problem with a purchase shown on your statement

XXXX XXXX I had a bunch of fraudulent activity on my credit cards. I reported it to my bank ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.

Identity theft / Fraud / Embezzlement

I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.

Cont'd attempts collect debt not owed

XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!

False statements or representation

the company name is global client solutions LLC Is this company legitimet. Are there any complants against it.Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX

Rewards

On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.

Problem with fraud alerts or security freezes

https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this. Enter " XXXX '' as name and " XXXX '' as SSN

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

False statements or representation

Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!

Disclosure verification of debt

i have no idea why this XXXX is on my credit report or who it 's from

Incorrect information on your report

inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa

Communication tactics

XXXX Forgot date Tried to make settlement but they asking more then I can effort

Identity theft / Fraud / Embezzlement

THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX XXXX

Incorrect information on credit report

I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

Incorrect information on your report

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to XXXX.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXRe sently i am receive statement from those XXXXCompanyHowever, if when i claim servise with any companyThey also stated i fill for XXXX care and is any insurance present in my accordI think if they is any fraul attack going on my social securityI would of able to file fraul complain

Improper contact or sharing of info

They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.

Cont'd attempts collect debt not owed

THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX

Taking/threatening an illegal action

received a call from evans law association at phone # XXXX they threaten that they had a law suit against me and rep was very rude and when she thought I hung up the phone she called me a loser. also threatened me if I did n't pay today that they would move forward. asked for proof of debt unable to provide proof of debt in U.S mail. This company have a lot of complaints for illegal practices.

Dealing with your lender or servicer

i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent

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

Incorrect information on your report

The company ( Checkr , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ) has conducted several background screenings and continually ignores the 7 year rule for reporting outdated information that has been deleted from my history. Checkr is reporting negative information that is 8 or more years old to a potential employer.

Attempts to collect debt not owed

AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.

Credit reporting company's investigation

Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.

Communication tactics

Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.

Incorrect information on your report

XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.

Cont'd attempts collect debt not owed

The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.

Struggling to pay your loan

I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.

Improper use of your report

XXXX has posted several credit inquiries under my credit report that I do not recognize. - XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.

Dealing with my lender or servicer

they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.

Incorrect information on credit report

Experian is not responding to my numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.

Cont'd attempts collect debt not owed

This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed

Incorrect information on your report

uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]

Improper use of your report

XXXX XXXX XXXX improperly performed an inquiry without my authorization.