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 was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.
Incorrect information on credit report	XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX {$120.00} this was taken care shows remove on XXXX
Delinquent account	Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.
Billing disputes	I was a victim of identity theft. Credit cards were opened in my name.
Billing disputes	On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.
Unable to get credit report/credit score	I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.
Attempts to collect debt not owed	This is not my account. I never been to XXXX XXXX hospital. I have never taken ambulance services. I am contacting the FTC and also filing a law suit for the damages you caused with my credit report
False statements or representation	This company is attempting to collect a debt that has been sold off and XXXX balance.
Incorrect information on credit report	For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.
Incorrect information on credit report	I 've disputed several inaccuracies on my credit report due to identity theft and they were not investigated properly. I 've given copies of my police reports in the past and I am not sure they are seeing or using them.
Incorrect information on your report	XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
Incorrect information on credit report	I have several inquires from a company I have never done business with
Problem with a credit reporting company's investigation into an existing problem	I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. No copies of a signed agreement or history of payments made to the company has been sent. Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
Disclosure verification of debt	Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault
Incorrect information on your report	Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Fraud or scam	credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance
Problem caused by your funds being low	In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.
Problem with a purchase shown on your statement	I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.
Improper use of your report	Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Written notification about debt	ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?
Communication tactics	I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.
Threatened to contact someone or share information improperly	I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.
Communication tactics	They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.
Written notification about debt	On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.
Took or threatened to take negative or legal action	I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.
Improper use of your report	there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Disclosure verification of debt	A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.
Cont'd attempts collect debt not owed	Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.
Loan servicing, payments, escrow account	CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? Your letter said XXXX ago? Thank you. XXXX XXXX
Incorrect information on credit report	I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.
Disclosure verification of debt	I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.
Dealing with your lender or servicer	I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.
Account opening, closing, or management	My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the bank.
Cont'd attempts collect debt not owed	There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help
Incorrect information on credit report	I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.
Problem when making payments	Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Attempts to collect debt not owed	This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.
Disclosure verification of debt	I have been asking for explanation with details of what makes up amount owed in a reinstatement offer.
Settlement process and costs	I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.
Dealing with my lender or servicer	I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.
Taking out the loan or lease	Was charge {$800.00} for a Gap contract that I was not told about before signing that i did not want.
Trouble during payment process	Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured. In one month mortgage has gone up from {$5200.00} to {$6000.00}
Improper use of your report	I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
Problem with a credit reporting company's investigation into an existing problem	Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
Unable to get credit report/credit score	Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.
Cont'd attempts collect debt not owed	Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time
Problem with a credit reporting company's investigation into an existing problem	I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}
Can't stop charges to bank account	I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.
Incorrect information on your report	I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.
Struggling to repay your loan	I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.
Incorrect information on credit report	Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years
Other features, terms, or problems	On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.
Improper use of your report	On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Communication tactics	Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.
Incorrect information on credit report	A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.
Applying for a mortgage or refinancing an existing mortgage	Loan Officer at Embrace Home Loans knowingly giving borrower inaccurate advice on the credit report and mortgage application process in order to keep client from examining other options. LO in question is a 14 year industry veteran, so this is not the result of inexperience. It 's an ethical lapse and does the customer and the industry a disservice.
Incorrect information on your report	I have a account XXXX XXXX XXXX is showing on XXXX and Experian credit reports the account was investigated and deleted off XXXX and I have disputed with XXXX and Experian via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Managing an account	On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance
Took or threatened to take negative or legal action	Capi tal One filed a lawsuit against me in XXXX for a debt that was not incurred in XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.
Incorrect/missing disclosures or info	Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance
Improper use of your report	Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.
Incorrect information on your report	#NAME?
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Disclosure verification of debt	medical debt on my credit report
Incorrect information on your report	There is wrong information on my report : XXXX XXXX > I have never paid late this account, insurance paid late XXXX XXXX XXXX XXXX > I have never paid late this account, insurance paid late
Incorrect information on your report	american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.
Incorrect information on your report	I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I have never paid late
Disclosure verification of debt	I have requested several times over the last six months to the credit bureau and the debt collector to verify and validate this debt. I have not received the requested information.
Cont'd attempts collect debt not owed	Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.
Problem with a credit reporting company's investigation into an existing problem	I received another alert through XXXX on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX over the last 5 months.
Incorrect information on credit report	please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. thank you
Incorrect information on your report	Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Cont'd attempts collect debt not owed	In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Problem with a credit reporting company's investigation into an existing problem	Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. Thank you very much for helping me out. XXXX XXXX
Confusing or misleading advertising or marketing	Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?
Disclosure verification of debt	On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help
Unable to get your credit report or credit score	A car was purchased using my personal information while I was under wage earner. My drivers license number is XXXX . It have been stolen. My social security number stolen the spelling of my name was XXXX XXXX XXXX in the court. My address was XXXX XXXX XXXX XXXX , TN XXXX . I was suppose to be protected under wage earner.
Account opening, closing, or management	bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.
Customer service / Customer relations	I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.
Dealing with my lender or servicer	Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Credit determination	Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.
Other	New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.
False statements or representation	XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.
Incorrect information on credit report	Experian Reporting Agency is reporting my XXXX XXXX Credit Card at a negative status. This account is paid as agreed and never late.
Problem with a lender or other company charging your account	Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.
Closing your account	Had a Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in XXXX and would not be reopened even after repeated ca lls to Chase cust omer service.
Opening an account	Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.
Customer service / Customer relations	Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.
Communication tactics	XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.
Incorrect information on your report	XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Account opening, closing, or management	I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.
Can't repay my loan	I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''
Incorrect information on your report	I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.
Cont'd attempts collect debt not owed	Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. Please contact me at XXXXXXXXXXXX with any or all help associated with this. Thank you, XXXX XXXX
Incorrect information on your report	The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.
False statements or representation	I am supposed to make a monthly payment to pressler & pressler by the XXXX of month according to a XXXX stipulation. Every month i paid with a credit card. Pressler & Pressler shut off their credit card payment system. I sent to P & P copy, and they did not fix issue.
Customer service / Customer relations	Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more
Deposits and withdrawals	Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.
Incorrect information on your report	The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be removed

Attempts to collect debt not owed

I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.

Incorrect information on credit report

XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX {$120.00} this was taken care shows remove on XXXX

Delinquent account

Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.

Billing disputes

I was a victim of identity theft. Credit cards were opened in my name.

Billing disputes

On XXXX XXXX, 2016, a check in the of {$1900.00} was mailed to Barclaycard. As of today, XXXX XXXX, 2016, this payment has not posted to my Barclaycard account. My bank account has been debited for the check 's amount. XXXX XXXX XXXX XXXX XXXX has provided me with a copy of the front and back of the check, which shows it was deposited into a XXXX XXXX account owned by Barclaycard.

Unable to get credit report/credit score

I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.

Attempts to collect debt not owed

This is not my account. I never been to XXXX XXXX hospital. I have never taken ambulance services. I am contacting the FTC and also filing a law suit for the damages you caused with my credit report

False statements or representation

This company is attempting to collect a debt that has been sold off and XXXX balance.

Incorrect information on credit report

For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.

Incorrect information on credit report

I 've disputed several inaccuracies on my credit report due to identity theft and they were not investigated properly. I 've given copies of my police reports in the past and I am not sure they are seeing or using them.

Incorrect information on your report

XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.

Incorrect information on credit report

I have several inquires from a company I have never done business with

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

I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. No copies of a signed agreement or history of payments made to the company has been sent. Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.

Disclosure verification of debt

Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault

Incorrect information on your report

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

Fraud or scam

credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance

Problem caused by your funds being low

In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.

Problem with a purchase shown on your statement

I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.

Improper use of your report

Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Written notification about debt

ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?

Communication tactics

I sent a cease and desist letter to Popular Financial several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Threatened to contact someone or share information improperly

I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.

Communication tactics

They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.

Written notification about debt

On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.

Took or threatened to take negative or legal action

I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.

Improper use of your report

there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

Disclosure verification of debt

A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.

Cont'd attempts collect debt not owed

Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.

Loan servicing, payments, escrow account

CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? Your letter said XXXX ago? Thank you. XXXX XXXX

Incorrect information on credit report

I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.

Disclosure verification of debt

I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.

Dealing with your lender or servicer

I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.

Account opening, closing, or management

My checking account has no overdraft protection and I explicitly declined it before. However, I was still charged a {$35.00} overdraft fee by the bank.

Cont'd attempts collect debt not owed

There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help

Incorrect information on credit report

I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Problem when making payments

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Attempts to collect debt not owed

This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.

Disclosure verification of debt

I have been asking for explanation with details of what makes up amount owed in a reinstatement offer.

Settlement process and costs

I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.

Dealing with my lender or servicer

I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.

Taking out the loan or lease

Was charge {$800.00} for a Gap contract that I was not told about before signing that i did not want.

Trouble during payment process

Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured. In one month mortgage has gone up from {$5200.00} to {$6000.00}

Improper use of your report

I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.

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

Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.

Unable to get credit report/credit score

Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.

Cont'd attempts collect debt not owed

Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time

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

I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}

Can't stop charges to bank account

I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.

Incorrect information on your report

I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.

Struggling to repay your loan

I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.

Incorrect information on credit report

Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years

Other features, terms, or problems

On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.

Improper use of your report

On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

Communication tactics

Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.

Incorrect information on credit report

A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.

Applying for a mortgage or refinancing an existing mortgage

Loan Officer at Embrace Home Loans knowingly giving borrower inaccurate advice on the credit report and mortgage application process in order to keep client from examining other options. LO in question is a 14 year industry veteran, so this is not the result of inexperience. It 's an ethical lapse and does the customer and the industry a disservice.

Incorrect information on your report

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

Managing an account

On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance

Took or threatened to take negative or legal action

Capi tal One filed a lawsuit against me in XXXX for a debt that was not incurred in XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.

Incorrect/missing disclosures or info

Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance

Improper use of your report

Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.

Incorrect information on your report

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Incorrect information on your report

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

Disclosure verification of debt

medical debt on my credit report

Incorrect information on your report

There is wrong information on my report : XXXX XXXX > I have never paid late this account, insurance paid late XXXX XXXX XXXX XXXX > I have never paid late this account, insurance paid late

Incorrect information on your report

american Honda Finance reflects reflects multiple XXXX day on acct. These are inaccurate. Never late.

Incorrect information on your report

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I have never paid late

Disclosure verification of debt

I have requested several times over the last six months to the credit bureau and the debt collector to verify and validate this debt. I have not received the requested information.

Cont'd attempts collect debt not owed

Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.

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

I received another alert through XXXX on XX/XX/2018 updated by Equifax with another derogatory reporting with an increase in amounts labeled charged off. Equifax and XXXX XXXX XXXX reporting is listed under revolving account. Equifax does not have an effective investigative method that shows all the new information and changes made by XXXX XXXX XXXX over the last 5 months.

Incorrect information on credit report

please find attached the documents for disputing inquiries i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. thank you

Incorrect information on your report

Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!

Cont'd attempts collect debt not owed

In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!

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

Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. Thank you very much for helping me out. XXXX XXXX

Confusing or misleading advertising or marketing

Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?

Disclosure verification of debt

On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help

Unable to get your credit report or credit score

A car was purchased using my personal information while I was under wage earner. My drivers license number is XXXX . It have been stolen. My social security number stolen the spelling of my name was XXXX XXXX XXXX in the court. My address was XXXX XXXX XXXX XXXX , TN XXXX . I was suppose to be protected under wage earner.

Account opening, closing, or management

bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so.

Customer service / Customer relations

I called CiTi bank to cancel my account and they left me on hold for 40 minutes then they hung up on me. Really bad customer service. The worst I 've ever came across. Now they wo n't even answer my calls.

Dealing with my lender or servicer

Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.

Incorrect information on your report

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

Credit determination

Although I make my payments on time, Macy 's continues to lower my extended credit offer several times a year without proper notice.

Other

New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.

False statements or representation

XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.

Incorrect information on credit report

Experian Reporting Agency is reporting my XXXX XXXX Credit Card at a negative status. This account is paid as agreed and never late.

Problem with a lender or other company charging your account

Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.

Closing your account

Had a Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in XXXX and would not be reopened even after repeated ca lls to Chase cust omer service.

Opening an account

Applied for a checking account with Capital One with promotional code " XXXX '' and after meeting all the requirements Capital One has only awarded me {$200.00} of the {$400.00} that was stated in the terms.

Customer service / Customer relations

Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.

Communication tactics

XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.

Incorrect information on your report

XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

Account opening, closing, or management

I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.

Can't repay my loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''

Incorrect information on your report

I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

Cont'd attempts collect debt not owed

Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. Please contact me at XXXXXXXXXXXX with any or all help associated with this. Thank you, XXXX XXXX

Incorrect information on your report

The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.

False statements or representation

I am supposed to make a monthly payment to pressler & pressler by the XXXX of month according to a XXXX stipulation. Every month i paid with a credit card. Pressler & Pressler shut off their credit card payment system. I sent to P & P copy, and they did not fix issue.

Customer service / Customer relations

Had capital one credit card for 10 years after all this year 's wants me to proof who I 'm because they think I 'm not the person who opened the account call ask to speak to a manager and it 's never available also put me on hold for 20 minutes and they accused me for fraud ca n't stand this bank no more

Deposits and withdrawals

Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.

Incorrect information on your report

The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be removed