determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Problem with a credit reporting company's investigation into an existing problem	My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Incorrect information on credit report	I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.
Problem with a credit reporting company's investigation into an existing problem	I have attached my letter to this complaint in reference to TransUnion. They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.
Problem with a credit reporting company's investigation into an existing problem	EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991
Managing the loan or lease	had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.
Communication tactics	THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.
Problem with a purchase or transfer	I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}
Incorrect information on credit report	all of the bad reports are over 10 years old!
Communication tactics	I keep getting calls from debt company 's even after I change my phone number they get it and call me
Loan modification,collection,foreclosure	Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property.
Incorrect information on credit report	The company refused to remove all fradulent information from my report
Trouble during payment process	This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint. Case # XXXX . Please review the attached document for more information
Dealing with my lender or servicer	I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.
Cont'd attempts collect debt not owed	mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
Dealing with your lender or servicer	They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for 1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of. XXXX They are now calling family members.
Incorrect information on credit report	The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the credit report.
Dealing with my lender or servicer	Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments.
Incorrect information on your report	I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Problems when you are unable to pay	I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.
Fraud or scam	I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.
Cont'd attempts collect debt not owed	This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.
Disclosure verification of debt	When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.
Improper use of your report	I contacted transunion to get hard inquiries off my credit report my ex wife was doing and the8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXXy would not remove it an neither would the company. XXXX XXXX XX/XX/XXXX
Improper contact or sharing of info	On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.
Cont'd attempts collect debt not owed	I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. I am disputing these charges for a few reasons. 1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges
Attempts to collect debt not owed	I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.
Attempts to collect debt not owed	The account THE BEST SERVICE CO/XXXX with account number # XXXX is still reporting this collection account to XXXX Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.
Account opening, closing, or management	USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.
Cont'd attempts collect debt not owed	On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.
Problems caused by my funds being low	There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.
Loan servicing, payments, escrow account	After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).
Improper use of your report	I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.
Other fee	Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.
Cont'd attempts collect debt not owed	Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.
Problem with a purchase shown on your statement	I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.
Cont'd attempts collect debt not owed	I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.
Communication tactics	Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.
Incorrect information on credit report	I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.
Cont'd attempts collect debt not owed	Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this?
Improper contact or sharing of info	Sent an email to a co worker about my debt.
Credit determination	I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation
Incorrect information on credit report	I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN XXXX
Using a debit or ATM card	Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! XXXX XXXX XXXX
Taking/threatening an illegal action	Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
Other features, terms, or problems	From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.
Loan modification,collection,foreclosure	Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.
Account opening, closing, or management	Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.
Improper use of your report	Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.
Incorrect information on credit report	Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.
False statements or representation	I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.
Identity theft / Fraud / Embezzlement	I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.
Problem with a credit reporting company's investigation into an existing problem	I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.
Application processing delay	I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.
Other fee	Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.
Can't repay my loan	Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly
Disclosure verification of debt	I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.
Improper use of your report	I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...
Incorrect information on your report	This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
Taking/threatening an illegal action	Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.
Attempts to collect debt not owed	LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.
Incorrect information on credit report	Transunion will not remove this misleading information on my credit report. I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.
Loan modification,collection,foreclosure	My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.
Incorrect information on your report	Same old same old- just recording for legal purposes. Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. XXXX did not allow me a dispute again. Lenders claim they " were '' not notified by XXXX . My core has not gone D O W N even with numerous corr ections.
Cont'd attempts collect debt not owed	This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start
Incorrect information on credit report	I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.
Incorrect information on your report	I have wrote XXXX , XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter XXXX and ask how they verified. Equifax said they will removed but still fail to do so. XXXX and XXXX said they verified but the court said they did n't verified threw them. This item is not mines
Dealing with my lender or servicer	I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!
Incorrect information on your report	XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance
Written notification about debt	XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX
Credit card protection / Debt protection	A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.
Cont'd attempts collect debt not owed	This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.
Billing disputes	I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.
Loan modification,collection,foreclosure	I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Application, originator, mortgage broker	dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. Look elsewhere, trust me you will be happy you did.
Cont'd attempts collect debt not owed	Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. Receiver of debt collection request was not living in-state at time purported debt was accrued.
Problems when you are unable to pay	Midland Funding XXXX XXXX has been put on notice not to communicate with me at my place of business number of times .. I have repeatedly requested all calls to stop, yet they continue to call.. I have put the request in writing as well as verbally requested this many many times..
Communication tactics	My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.
Dealing with my lender or servicer	Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.
Improper use of your report	By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured.
Managing an account	I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you
Incorrect information on your report	XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Attempts to collect debt not owed	I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u
Incorrect information on your report	In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.
Communication tactics	On XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.
Incorrect information on credit report	I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.
Written notification about debt	Wakefield has place collection on me that are not mine. XXXX XXXX XXXX offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.
Loan servicing, payments, escrow account	I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).
Cont'd attempts collect debt not owed	I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.
Loan servicing, payments, escrow account	My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan
Incorrect information on your report	My Experian credit report as been showing a collection from XXXX XXXX , Account number starting in XXXX witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same Company n ame, XXXX XXXX .
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
Incorrect information on your report	This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )
Written notification about debt	Recently, I noticed that Capio Partners repo rted XXXX medical debts on my XXXX credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners to delete these accounts from my credit report, but they refuse.
Improper contact or sharing of info	Debt collector made several calls to work associates and in-laws describing debt in detail.
Problem with fraud alerts or security freezes	I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?
Cont'd attempts collect debt not owed	Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.
Loan servicing, payments, escrow account	I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.
Incorrect information on your report	My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.

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

My mortgage account is not reflecting correctly on my credit reports, Equifax is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Incorrect information on credit report

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

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

I have attached my letter to this complaint in reference to TransUnion. They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.

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

EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991

Managing the loan or lease

had late payment for capital one auto loan reported to credit bureau post la flood by capital one. my house flooded and was displaced. Per the federal disaster area, should not have been reported to credit bureau for time frame. asked to have it deleted, capital one would not.

Communication tactics

THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.

Problem with a purchase or transfer

I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}

Incorrect information on credit report

all of the bad reports are over 10 years old!

Communication tactics

I keep getting calls from debt company 's even after I change my phone number they get it and call me

Loan modification,collection,foreclosure

Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property.

Incorrect information on credit report

The company refused to remove all fradulent information from my report

Trouble during payment process

This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint. Case # XXXX . Please review the attached document for more information

Dealing with my lender or servicer

I disputed information being reported on my credit report by AES ( Private Student Loan ) that claims I paid late back in XX/XX/2010. I requested proof that I paid late or for this negative inquiry to be deleted within XXXX Per the Fair Credit Reporting Act, and my request was ignored. Please see that AES complies with my request and the law.

Cont'd attempts collect debt not owed

mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.

Dealing with your lender or servicer

They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for 1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of. XXXX They are now calling family members.

Incorrect information on credit report

The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the credit report.

Dealing with my lender or servicer

Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments.

Incorrect information on your report

I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

Problems when you are unable to pay

I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.

Fraud or scam

I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.

Cont'd attempts collect debt not owed

This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.

Disclosure verification of debt

When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.

Improper use of your report

I contacted transunion to get hard inquiries off my credit report my ex wife was doing and the8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXXy would not remove it an neither would the company. XXXX XXXX XX/XX/XXXX

Improper contact or sharing of info

On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.

Cont'd attempts collect debt not owed

I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. I am disputing these charges for a few reasons. 1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges

Attempts to collect debt not owed

I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.

Attempts to collect debt not owed

The account THE BEST SERVICE CO/XXXX with account number # XXXX is still reporting this collection account to XXXX Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.

Account opening, closing, or management

USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.

Cont'd attempts collect debt not owed

On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.

Problems caused by my funds being low

There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.

Loan servicing, payments, escrow account

After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).

Improper use of your report

I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.

Other fee

Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.

Cont'd attempts collect debt not owed

Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.

Problem with a purchase shown on your statement

I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.

Cont'd attempts collect debt not owed

I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.

Communication tactics

Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.

Incorrect information on credit report

I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.

Cont'd attempts collect debt not owed

Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this?

Improper contact or sharing of info

Sent an email to a co worker about my debt.

Credit determination

I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation

Incorrect information on credit report

I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN XXXX

Using a debit or ATM card

Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! XXXX XXXX XXXX

Taking/threatening an illegal action

Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.

Other features, terms, or problems

From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.

Loan modification,collection,foreclosure

Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.

Account opening, closing, or management

Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.

Improper use of your report

Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make.

Incorrect information on credit report

Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.

False statements or representation

I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.

Identity theft / Fraud / Embezzlement

I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.

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

I tried to have a have a collection company removed from my credit report which I am not responsible for this debt.

Application processing delay

I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.

Other fee

Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.

Can't repay my loan

Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly

Disclosure verification of debt

I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Improper use of your report

I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...

Incorrect information on your report

This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Taking/threatening an illegal action

Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.

Attempts to collect debt not owed

LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.

Incorrect information on credit report

Transunion will not remove this misleading information on my credit report. I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.

Loan modification,collection,foreclosure

My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.

Incorrect information on your report

Same old same old- just recording for legal purposes. Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. XXXX did not allow me a dispute again. Lenders claim they " were '' not notified by XXXX . My core has not gone D O W N even with numerous corr ections.

Cont'd attempts collect debt not owed

This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start

Incorrect information on credit report

I have sent a letter to Transunion for them to take the bankruptcy off my credit report. I have sent them a letter from the bankruptcy office stating that they do not report to the credit bureau and its has not been validated. They are putting false information on my credit report. I also need the inquiry XXXX off my report this is false.

Incorrect information on your report

I have wrote XXXX , XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter XXXX and ask how they verified. Equifax said they will removed but still fail to do so. XXXX and XXXX said they verified but the court said they did n't verified threw them. This item is not mines

Dealing with my lender or servicer

I am at an income based forgiveness of $ XXXXmonth but just noticed the loan company, Navient, is still adding money to my account after I was told my account would stay frozen until after I started making payments again!

Incorrect information on your report

XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance

Written notification about debt

XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX

Credit card protection / Debt protection

A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.

Cont'd attempts collect debt not owed

This company wrote me a letter about a debt I do not owe. They say the debt is owed to XXXX XXXX. I have never done business with such a company. The amount owed was {$30.00}. The fees were {$4.00}. The total was {$34.00}.

Billing disputes

I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.

Loan modification,collection,foreclosure

I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time.

Problem when making payments

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

Application, originator, mortgage broker

dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. Look elsewhere, trust me you will be happy you did.

Cont'd attempts collect debt not owed

Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. Receiver of debt collection request was not living in-state at time purported debt was accrued.

Problems when you are unable to pay

Midland Funding XXXX XXXX has been put on notice not to communicate with me at my place of business number of times .. I have repeatedly requested all calls to stop, yet they continue to call.. I have put the request in writing as well as verbally requested this many many times..

Communication tactics

My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.

Dealing with my lender or servicer

Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.

Improper use of your report

By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured.

Managing an account

I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you

Incorrect information on your report

XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.

Attempts to collect debt not owed

I disputed a debt collection of {$690.00} which was sent to me from XXXX XXXX & XXXX inXX/XX/XXXXand received a responseXX/XX/XXXX stating the item i disputed has been updated, I ASKED for verification and proof of how this debt belonged to me and received no proof what so ever and this item should be removed from my credit report because it does not belong me to thank u

Incorrect information on your report

In checking my credit reports, I noticed that my student loan had doubled the amount owed from Navient formally known as XXXX XXXX. They are claiming that I owe them XXXX for my XXXX education. I am in disagreeance with them regarding this amount. The amount previous shown was XXXX it has now doubled. I am requesting proof. It also indicates that this loan is 91 % paid.

Communication tactics

On XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.

Incorrect information on credit report

I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.

Written notification about debt

Wakefield has place collection on me that are not mine. XXXX XXXX XXXX offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.

Loan servicing, payments, escrow account

I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).

Cont'd attempts collect debt not owed

I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.

Loan servicing, payments, escrow account

My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan

Incorrect information on your report

My Experian credit report as been showing a collection from XXXX XXXX , Account number starting in XXXX witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same Company n ame, XXXX XXXX .

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Incorrect information on credit report

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015

Incorrect information on your report

This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

Written notification about debt

Recently, I noticed that Capio Partners repo rted XXXX medical debts on my XXXX credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners to delete these accounts from my credit report, but they refuse.

Improper contact or sharing of info

Debt collector made several calls to work associates and in-laws describing debt in detail.

Problem with fraud alerts or security freezes

I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?

Cont'd attempts collect debt not owed

Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.

Loan servicing, payments, escrow account

I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.

Incorrect information on your report

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.