determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan servicing, payments, escrow account	Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.
Improper use of your report	XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my accounts.
Cont'd attempts collect debt not owed	On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.
Incorrect information on credit report	After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16
Incorrect information on your report	sent police report id theft victim also id theft gov ftc inaccurate information
False statements or representation	I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.
Advertising and marketing	I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).
Managing the loan or lease	My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. I could sue them for violation of the calling rules.
Cont'd attempts collect debt not owed	I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.
Improper use of your report	XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires
Cont'd attempts collect debt not owed	Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.
Problem caused by your funds being low	XXXX/XXXX/2017 overdraft and bank would n't send info to XXXX
Closing your account	XX/XX/2011 {$1500.00} I paid off this credit card late cause I went through some financial hardships when I was younger and I really wasn't too familiar with late payments and I really got backed up. I want to see if possible I cant get the account sponged out from bad credit I would really appreciate it. thanks
Improper use of your report	XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize all these inquiries. Please remove from my report. Thank you.
Problem with a credit reporting company's investigation into an existing problem	Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Incorrect information on credit report	I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.
Communication tactics	Van Ru Credit Corporation called me to attempt to collect a debt in the middle of the night ( XXXX EST, which is my local time ).
Struggling to pay your loan	I took out a loan for XXXX but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
Trouble during payment process	ditech my current servicer raised my payment without any notification to me. i have an arm and have consistantly paid extra to principal. i started get past due notices from them and i checked my bank acct which i have on auto pay and confirmed all payments have gone out ON TIME. they have yet to notify if my increase was due to escrow shortage or change in payment, no phone call, email, or mail
Managing the loan or lease	I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}
Improper use of your report	Unauthorized inquiries on my credit report.
Incorrect information on credit report	EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.
Billing disputes	XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.
Problems when you are unable to pay	Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.
Problem with a purchase shown on your statement	My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX. When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.
Improper use of your report	I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
Closing your account	Checking on my credit report and noticed this account is open that should have been closed.
Incorrect information on credit report	I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.
Attempts to collect debt not owed	I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.
Credit reporting company's investigation	I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report.
Written notification about debt	I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
Problems caused by my funds being low	Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}
False statements or representation	I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete
Account opening, closing, or management	I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.
Can't repay my loan	This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. XXXX College
Disclosure verification of debt	I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
Cont'd attempts collect debt not owed	I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Incorrect information on your report	EQUIFAX IS CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.
Taking out the loan or lease	One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.
Charged fees or interest I didn't expect	It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.
Cont'd attempts collect debt not owed	I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report
Incorrect information on your report	Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back on my credit report
Disclosure verification of debt	They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
Credit reporting company's investigation	have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account
Cont'd attempts collect debt not owed	For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Identity theft / Fraud / Embezzlement	ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.
Managing the loan or lease	I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.
Incorrect information on credit report	Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.
Billing disputes	Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity
Loan servicing, payments, escrow account	Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.
Cont'd attempts collect debt not owed	Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.
Closing an account	I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! Thanks very much for the help
Cont'd attempts collect debt not owed	This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report
Problems at the end of the loan or lease	when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...
Other fee	RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX
Improper use of your report	XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017
Problem with a credit reporting company's investigation into an existing problem	Experian reports 30 days delinquent account of XXXX XXXX XXXX. I never pay late the mortgage.
Credit determination	THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.
Disclosure verification of debt	i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info
Incorrect information on your report	I received a letter from stern recovery on XXXX saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now XXXX XXXX and they are still on my credit report.
Disclosure verification of debt	Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.
Unable to get your credit report or credit score	Equifax and XXXX wo n't give credit report online, but experien did.
Application, originator, mortgage broker	I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?
Incorrect information on your report	XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.
Other fee	I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.
False statements or representation	Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Took or threatened to take negative or legal action	Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX
Incorrect information on credit report	XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.
Attempts to collect debt not owed	I see that I have a dept collection of {$340.00} from stellar Rec that was opened in XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!
Communication tactics	I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.
Attempts to collect debt not owed	CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Incorrect information on credit report	I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.
Improper use of your report	I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. I'm a victim of their inquiries issues
Struggling to pay mortgage	My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.
Cont'd attempts collect debt not owed	This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,
Loan servicing, payments, escrow account	In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage. Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment. In the meantime, they hold and use our funds.
Incorrect information on credit report	I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX
Incorrect information on credit report	Wrong name no XXXX XXXX XXXX and wrong address XXXX XXXX XXXX XXXX
Incorrect information on credit report	Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.
Took or threatened to take negative or legal action	This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying information.
Loan servicing, payments, escrow account	I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A 11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local XXXX XXXX .We only wanted to keep our HOME,.
Account opening, closing, or management	I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about it.
Loan servicing, payments, escrow account	XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).
Account opening, closing, or management	Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. Please contact the website owners to inform them of this problem.
Identity theft / Fraud / Embezzlement	I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX has been trying to collect from me on an old windsteam bill from XXXX . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act
Credit decision / Underwriting	ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.
Loan servicing, payments, escrow account	My account number with Wells Fargo is XXXX. I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.
Loan servicing, payments, escrow account	Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. Thank you for your urgent help.
Problem with a credit reporting company's investigation into an existing problem	checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website does not work. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.
Credit reporting company's investigation	I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
Incorrect information on your report	All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.
Improper use of your report	Unauthorized Credit Inquiries Ive Called them and Just wrote them asking to remove these credit inquiries from my Experian Credit File
Fraud or scam	A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.
Incorrect information on credit report	transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Loan modification,collection,foreclosure	Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.
Improper use of my credit report	equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.

Loan servicing, payments, escrow account

Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.

Improper use of your report

XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my accounts.

Cont'd attempts collect debt not owed

On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.

Incorrect information on credit report

After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16

Incorrect information on your report

sent police report id theft victim also id theft gov ftc inaccurate information

False statements or representation

I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is XXXX. It has been over 2 months since the debt was " settled ''.

Advertising and marketing

I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).

Managing the loan or lease

My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. I could sue them for violation of the calling rules.

Cont'd attempts collect debt not owed

I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.

Improper use of your report

XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Cont'd attempts collect debt not owed

Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.

Problem caused by your funds being low

XXXX/XXXX/2017 overdraft and bank would n't send info to XXXX

Closing your account

XX/XX/2011 {$1500.00} I paid off this credit card late cause I went through some financial hardships when I was younger and I really wasn't too familiar with late payments and I really got backed up. I want to see if possible I cant get the account sponged out from bad credit I would really appreciate it. thanks

Improper use of your report

XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize all these inquiries. Please remove from my report. Thank you.

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

Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.

Incorrect information on credit report

I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.

Communication tactics

Van Ru Credit Corporation called me to attempt to collect a debt in the middle of the night ( XXXX EST, which is my local time ).

Struggling to pay your loan

I took out a loan for XXXX but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.

Trouble during payment process

ditech my current servicer raised my payment without any notification to me. i have an arm and have consistantly paid extra to principal. i started get past due notices from them and i checked my bank acct which i have on auto pay and confirmed all payments have gone out ON TIME. they have yet to notify if my increase was due to escrow shortage or change in payment, no phone call, email, or mail

Managing the loan or lease

I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}

Improper use of your report

Unauthorized inquiries on my credit report.

Incorrect information on credit report

EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.

Billing disputes

XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.

Problems when you are unable to pay

Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.

Problem with a purchase shown on your statement

My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX. When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.

Improper use of your report

I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Closing your account

Checking on my credit report and noticed this account is open that should have been closed.

Incorrect information on credit report

I had a hard credit inquiry on my report on XXXX/XXXX/2016 by XXXX. I called Equifax and they told me the could do nothing about it. I have not applied for any credit.

Attempts to collect debt not owed

I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.

Credit reporting company's investigation

I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report.

Written notification about debt

I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.

Problems caused by my funds being low

Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}

False statements or representation

I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete

Account opening, closing, or management

I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.

Can't repay my loan

This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. XXXX College

Disclosure verification of debt

I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.

Cont'd attempts collect debt not owed

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Incorrect information on your report

EQUIFAX IS CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.

Taking out the loan or lease

One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.

Charged fees or interest I didn't expect

It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.

Cont'd attempts collect debt not owed

I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report

Incorrect information on your report

Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back on my credit report

Disclosure verification of debt

They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.

Credit reporting company's investigation

have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account

Cont'd attempts collect debt not owed

For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.

Incorrect information on your report

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

Identity theft / Fraud / Embezzlement

ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.

Managing the loan or lease

I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.

Incorrect information on credit report

Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.

Billing disputes

Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity

Loan servicing, payments, escrow account

Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.

Cont'd attempts collect debt not owed

Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.

Closing an account

I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! Thanks very much for the help

Cont'd attempts collect debt not owed

This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report

Problems at the end of the loan or lease

when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...

Other fee

RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX

Improper use of your report

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017

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

Experian reports 30 days delinquent account of XXXX XXXX XXXX. I never pay late the mortgage.

Credit determination

THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.

Disclosure verification of debt

i sent a certified letter to vital on XXXX XXXX and it was signed for on XXXX XXXX i requested validation ( a signed contract showing i have done business with, owe money to etc ). 30 days have passed and all i recieved was documents from another customer of theirs. vital has broken the law by not sending me what i requested in the 30 days required and broken the law by sending me another customers confidential info

Incorrect information on your report

I received a letter from stern recovery on XXXX saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now XXXX XXXX and they are still on my credit report.

Disclosure verification of debt

Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.

Unable to get your credit report or credit score

Equifax and XXXX wo n't give credit report online, but experien did.

Application, originator, mortgage broker

I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?

Incorrect information on your report

XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.

Other fee

I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.

False statements or representation

Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.

Incorrect information on your report

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

Took or threatened to take negative or legal action

Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX

Incorrect information on credit report

XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.

Attempts to collect debt not owed

I see that I have a dept collection of {$340.00} from stellar Rec that was opened in XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!

Communication tactics

I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.

Attempts to collect debt not owed

CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Incorrect information on credit report

I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Improper use of your report

I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. I'm a victim of their inquiries issues

Struggling to pay mortgage

My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.

Cont'd attempts collect debt not owed

This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,

Loan servicing, payments, escrow account

In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage. Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment. In the meantime, they hold and use our funds.

Incorrect information on credit report

I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX

Incorrect information on credit report

Wrong name no XXXX XXXX XXXX and wrong address XXXX XXXX XXXX XXXX

Incorrect information on credit report

Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.

Took or threatened to take negative or legal action

This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying information.

Loan servicing, payments, escrow account

I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A 11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local XXXX XXXX .We only wanted to keep our HOME,.

Account opening, closing, or management

I have a Health Savings Account serviced by Wells Fargo , N.A . When I opened the account, the service fee was {$2.00} per month. They changed the fee to {$3.00} per month since then. I can not close out the account because it would cost me a 10 % tax penalty. WF knows they can steal {$3.00} from me and there is nothing I can do about it.

Loan servicing, payments, escrow account

XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).

Account opening, closing, or management

Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. Please contact the website owners to inform them of this problem.

Identity theft / Fraud / Embezzlement

I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX has been trying to collect from me on an old windsteam bill from XXXX . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act

Credit decision / Underwriting

ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.

Loan servicing, payments, escrow account

My account number with Wells Fargo is XXXX. I do believe that XXXX XXXX has caused my account to become delinquent. This started with the XXXX payment of this year. I am enclosing a payment history file to show this fact. Payments I was told to make to bring the account up to date were put into my Chapter XXXX program. Not Fair that is why I have put this file together.

Loan servicing, payments, escrow account

Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. Thank you for your urgent help.

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

checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.

Credit reporting company's investigation

I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.

Incorrect information on your report

All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.

Improper use of your report

Unauthorized Credit Inquiries Ive Called them and Just wrote them asking to remove these credit inquiries from my Experian Credit File

Fraud or scam

A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.

Incorrect information on credit report

transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

Loan modification,collection,foreclosure

Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.

Improper use of my credit report

equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.