determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Attempts to collect debt not owed	I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.
Improper use of your report	My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.
Cont'd attempts collect debt not owed	XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. XXXX Account no. XXXX
Attempts to collect debt not owed	I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
Improper use of your report	I am listed as one of the possible victims of the recent experian credit hack.
Improper use of your report	My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous. Our security should be taken far more seriously.
Improper contact or sharing of info	I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.
Account opening, closing, or management	I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.
Incorrect information on credit report	I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation
Cont'd attempts collect debt not owed	The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.
Improper contact or sharing of info	This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.
Other	XXXX/XXXX/2016 Dear Colleague, RE : Unauthorized inquiries Below please find enclosed a description of the event occurred that is needed to resolve this case dated as of today XXXX/XXXX/2016 at XXXX If you have any questions about completing your investigation please contact me directly at XXXX ext. XXXX.
Incorrect information on credit report	Experian has reported wrong information to my credit report
Cont'd attempts collect debt not owed	Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.
Attempts to collect debt not owed	Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. See attached documentation ... The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed
Struggling to repay your loan	I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.
Unauthorized transactions/trans. issues	The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).
Delinquent account	kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.
False statements or representation	Someone from the company XXXX XXXX XXXX XXXX is calling, representative named XXXX XXXX 's, is stating he 's an Investigator for XXXX County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
Incorrect information on credit report	An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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.
Incorrect information on your report	Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.
Disclosure verification of debt	I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.
Incorrect information on your report	Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.
Incorrect information on your report	My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Incorrect information on your report	I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector Credit Management Control has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Problem with a credit reporting company's investigation into an existing problem	I have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. Complaint Numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.
Improper use of your report	I have hard inquiries on my credit report an i do n't have accounts with none of these companies.
Unable to get your credit report or credit score	COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS. RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS. THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.
Cont'd attempts collect debt not owed	XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.
False statements or representation	Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.
Can't repay my loan	I went to XXXX in XXXX. I was never told about my student loan and am now paying a private loan through XXXX/ Navient at 13.375 percent interest. I have a copy of my student loan exit interview with the box unchecked signed and dated. I believe the school and XXXX are and were preditors
False statements or representation	this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it
Cont'd attempts collect debt not owed	A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.
Attempts to collect debt not owed	This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid
Improper use of your report	XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Incorrect information on your report	Information on my report do not belongs to me. Please remove
Can't repay my loan	My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.
Incorrect information on credit report	I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.
Improper use of your report	Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX
Took or threatened to take negative or legal action	I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ...
Disclosure verification of debt	I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.
Threatened to contact someone or share information improperly	Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.
Incorrect information on credit report	i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.
Struggling to pay mortgage	I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!
Communication tactics	Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.
Incorrect information on your report	Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed
Communication tactics	They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. THANKS IN ADVANCE
Dealing with my lender or servicer	I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.
Improper contact or sharing of info	A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.
Cont'd attempts collect debt not owed	Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
Attempts to collect debt not owed	The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for
Other fee	See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.
Unable to get credit report/credit score	going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Other features, terms, or problems	XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.
Can't stop charges to bank account	Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.
Disclosure verification of debt	Company has mislabeled the debt on my credit reports
Incorrect information on your report	My complaint is about the XXXX XXXX account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened. Regards
Incorrect information on credit report	I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.
Improper contact or sharing of info	They sent me a random email regarding a debt that i had never heard of.
Dealing with my lender or servicer	I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.
Loan servicing, payments, escrow account	Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.
Credit monitoring or identity protection	Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.
Communication tactics	Harassing family members asking for my social security number and threatening to contact my employer.
Incorrect information on your report	My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.
Communication tactics	To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.
Managing the loan or lease	I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.
Incorrect information on credit report	XXXX. is reporting to Experian, Which they have not verified the debt that I owe.
Incorrect information on credit report	I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR
Can't contact lender	I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.
Incorrect information on credit report	We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait
Improper use of your report	My personal information was included in the Equifax security breach.
Incorrect information on your report	I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Improper contact or sharing of info	This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.
Shopping for a loan or lease	The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.
Credit monitoring or identity protection	XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.
Written notification about debt	XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
Incorrect information on your report	I had a loan with CitiFinancial. The last activity on the account on my part was XXXX 2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to XXXX 2009. <P/><P/> The partial account number is XXXX . The address identification number is XXXX
Fees or interest	my wife and I both have American Express Cards. We pay on time always the bills we receive from them. Yet sometimes we receive late fees charged to us. I believe that AMEX is not crediting according to the postal date or even near it. I believe that these late fees are fraudulent and a way to increase revenue and income. The CFPB should investigate this matter and require that AMEX refund fraudulent late charges.
Unable to get your credit report or credit score	I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.
Managing the loan or lease	Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.
Managing the loan or lease	Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.
Loan servicing, payments, escrow account	XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.
Incorrect information on credit report	All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. The account is XXXX # XXXX
Attempts to collect debt not owed	This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.
Loan servicing, payments, escrow account	I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.
Incorrect information on credit report	Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.
Credit reporting company's investigation	Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.
Incorrect information on credit report	I did n't change my address, some one change my address and open a XXXX under my name,
Communication tactics	The caller was yelling at me and continued to cut me off and kept raising her voice
Credit monitoring or identity theft protection services	Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!
Incorrect information on your report	I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Unable to get credit report/credit score	The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.
Shopping for a loan or lease	Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!
Written notification about debt	I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.
Improper use of your report	The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked
Incorrect information on credit report	I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.

Attempts to collect debt not owed

I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.

Improper use of your report

My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.

Cont'd attempts collect debt not owed

XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. XXXX Account no. XXXX

Attempts to collect debt not owed

I checked my credit report and to my surprise there is a collection account for {$220.00} from XXXX XXXX XXXX. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Improper use of your report

I am listed as one of the possible victims of the recent experian credit hack.

Improper use of your report

My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous. Our security should be taken far more seriously.

Improper contact or sharing of info

I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.

Account opening, closing, or management

I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.

Incorrect information on credit report

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

Cont'd attempts collect debt not owed

The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.

Improper contact or sharing of info

This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.

Other

XXXX/XXXX/2016 Dear Colleague, RE : Unauthorized inquiries Below please find enclosed a description of the event occurred that is needed to resolve this case dated as of today XXXX/XXXX/2016 at XXXX If you have any questions about completing your investigation please contact me directly at XXXX ext. XXXX.

Incorrect information on credit report

Experian has reported wrong information to my credit report

Cont'd attempts collect debt not owed

Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.

Attempts to collect debt not owed

Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. See attached documentation ... The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed

Struggling to repay your loan

I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.

Unauthorized transactions/trans. issues

The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).

Delinquent account

kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.

False statements or representation

Someone from the company XXXX XXXX XXXX XXXX is calling, representative named XXXX XXXX 's, is stating he 's an Investigator for XXXX County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.

Incorrect information on credit report

An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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.

Incorrect information on your report

Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.

Disclosure verification of debt

I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.

Incorrect information on your report

Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.

Incorrect information on your report

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

Incorrect information on your report

The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Incorrect information on your report

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

Incorrect information on your report

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector Credit Management Control has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

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

I have tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. Complaint Numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.

Improper use of your report

I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

Unable to get your credit report or credit score

COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS. RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS. THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.

Cont'd attempts collect debt not owed

XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.

False statements or representation

Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.

Can't repay my loan

I went to XXXX in XXXX. I was never told about my student loan and am now paying a private loan through XXXX/ Navient at 13.375 percent interest. I have a copy of my student loan exit interview with the box unchecked signed and dated. I believe the school and XXXX are and were preditors

False statements or representation

this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it

Cont'd attempts collect debt not owed

A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.

Attempts to collect debt not owed

This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid

Improper use of your report

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX

Incorrect information on your report

Information on my report do not belongs to me. Please remove

Can't repay my loan

My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.

Incorrect information on credit report

I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.

Improper use of your report

Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX

Took or threatened to take negative or legal action

I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ...

Disclosure verification of debt

I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.

Threatened to contact someone or share information improperly

Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93.

Incorrect information on credit report

i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.

Struggling to pay mortgage

I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!

Communication tactics

Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.

Incorrect information on your report

Account # XXXX XXXX XXXX XXXX was added XX/XX/2009 account should be removed after 7 years. The account is now open account and in good standing but the account is in both negative and current standing. Negative past due status should be removed from credit report. incorrect amount and account is not closed

Communication tactics

They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. THANKS IN ADVANCE

Dealing with my lender or servicer

I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.

Improper contact or sharing of info

A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.

Cont'd attempts collect debt not owed

Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Attempts to collect debt not owed

The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for

Other fee

See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.

Unable to get credit report/credit score

going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

Other features, terms, or problems

XXXX, I redeemed points and paid {$140.00} for a rental car voucher with XXXX rental. This was though XXXX Card services, which is now Bank of America. XXXX refused to accept the voucher and billed me {$280.00}. I disputed this with Bank of America and they denied my claim. I have paid for this rental twice. Points in the amount of XXXX we 're deducted from my regards account.

Can't stop charges to bank account

Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.

Disclosure verification of debt

Company has mislabeled the debt on my credit reports

Incorrect information on your report

My complaint is about the XXXX XXXX account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened. Regards

Incorrect information on credit report

I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.

Improper contact or sharing of info

They sent me a random email regarding a debt that i had never heard of.

Dealing with my lender or servicer

I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.

Loan servicing, payments, escrow account

Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.

Credit monitoring or identity protection

Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.

Communication tactics

Harassing family members asking for my social security number and threatening to contact my employer.

Incorrect information on your report

My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.

Communication tactics

To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.

Managing the loan or lease

I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.

Incorrect information on credit report

XXXX. is reporting to Experian, Which they have not verified the debt that I owe.

Incorrect information on credit report

I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR

Can't contact lender

I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.

Incorrect information on credit report

We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait

Improper use of your report

My personal information was included in the Equifax security breach.

Incorrect information on your report

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

Improper contact or sharing of info

This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.

Shopping for a loan or lease

The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.

Credit monitoring or identity protection

XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.

Written notification about debt

XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!

Incorrect information on your report

I had a loan with CitiFinancial. The last activity on the account on my part was XXXX 2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to XXXX 2009. <P/><P/> The partial account number is XXXX . The address identification number is XXXX

Fees or interest

my wife and I both have American Express Cards. We pay on time always the bills we receive from them. Yet sometimes we receive late fees charged to us. I believe that AMEX is not crediting according to the postal date or even near it. I believe that these late fees are fraudulent and a way to increase revenue and income. The CFPB should investigate this matter and require that AMEX refund fraudulent late charges.

Unable to get your credit report or credit score

I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Managing the loan or lease

Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.

Managing the loan or lease

Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.

Loan servicing, payments, escrow account

XXXX XXXX XXXX XXXX has stopped using the Green Tree name and has replaced the Green Tree name with " ditech ''. I received my monthly statement dated XXXX/XXXX/2015. Upon examination of the monthly statement, I noted that all of the " other important information ... '' referred to Green Tree. That this error exists indicates lack of due care in the performance of tasks related to the business being conducted.

Incorrect information on credit report

All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. The account is XXXX # XXXX

Attempts to collect debt not owed

This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.

Loan servicing, payments, escrow account

I have a Nationstar Mortgage account, I just realized that they increased my monthly payment, because their guidelines allow them to do that, based in amount that they want to have as a " cushion ''. I never received any communication about it. I have requested that they need to remove the referenced " cushion amount '' which was never authorized.

Incorrect information on credit report

Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

Credit reporting company's investigation

Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card.

Incorrect information on credit report

I did n't change my address, some one change my address and open a XXXX under my name,

Communication tactics

The caller was yelling at me and continued to cut me off and kept raising her voice

Credit monitoring or identity theft protection services

Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer!

Incorrect information on your report

I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Unable to get credit report/credit score

The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.

Shopping for a loan or lease

Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!

Written notification about debt

I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.

Improper use of your report

The Equifax security was breached ( as you know ), and I am submitting this complaint to express my frustration and insecurity regarding my personal information. While Equifax is also a victim of hacking, I believe there should be a discussion on how individual 's information can be protected and how to protect individuals whose information got leaked

Incorrect information on credit report

I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.