determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Managing the loan or lease	I traded in a truck, and the dealership delayed the payoff to Ally, therefore Ally, charged late fees and negatively reported to credit bureau.
Improper use of your report	There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX
Incorrect information on credit report	My name is not XXXX. I never lived at XXXX, NY XXXX
Improper contact or sharing of info	PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
Was approved for a loan, but didn't receive money	Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks you.
Can't repay my loan	Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.
Incorrect information on credit report	TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.
Charged bank acct wrong day or amt	Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...
Closing/Cancelling account	I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account.
False statements or representation	I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.
Improper use of your report	Im filing a complaint about the Equifax data breach.
Incorrect information on your report	I would like ALL dispute comments removed from my credit report.
Attempts to collect debt not owed	i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
Communication tactics	On XXXX XXXX XXXX , I received another collection call for a debt owed by a XXXX XXXX . There is not and never has been a XXXX XXXX at this number. I have received monthly calls from multiple debt collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.
Problem with a credit reporting company's investigation into an existing problem	I PREVIOUSLY COMPLAINED ABOUT XXXX XXXX REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.
Taking/threatening an illegal action	I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.
Struggling to pay your loan	States that I owe a balance of {$800.00} and odd dollars.
Loan servicing, payments, escrow account	To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,
Struggling to repay your loan	I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.
Cont'd attempts collect debt not owed	We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.
Incorrect information on credit report	On my addresses listed there is an address from XXXX Texas. I have never lived there, which may be someone using my credit for all these inquiry 's
Problem with a purchase shown on your statement	Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX
Incorrect information on your report	I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them
Improper contact or sharing of info	Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.
Account opening, closing, or management	The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation
Communication tactics	although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.
Cont'd attempts collect debt not owed	CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Incorrect information on your report	My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian credit report.
Incorrect information on credit report	The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.
Incorrect information on your report	cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police report
Incorrect information on your report	Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.
Incorrect information on credit report	Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX
Incorrect information on your report	Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report
Improper use of my credit report	I keep getting loan offers an cars approved loans tellamarketers
Attempts to collect debt not owed	I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.
Loan modification,collection,foreclosure	Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX
Communication tactics	Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.
Problem with a credit reporting company's investigation into an existing problem	Equifax and XXXX a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Took or threatened to take negative or legal action	I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.
Cont'd attempts collect debt not owed	This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.
Problem with a credit reporting company's investigation into an existing problem	I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Incorrect information on your report	The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. Thank you.
Disclosure verification of debt	I was contacted by a debt collector for XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
Cont'd attempts collect debt not owed	Creditor agreed to remove my liability from the account and has removed from all CBR agencies.
Improper contact or sharing of info	I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '
Disclosure verification of debt	I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.
Communication tactics	Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.
Incorrect information on credit report	please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. thank you
Incorrect information on your report	I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.
Cont'd attempts collect debt not owed	I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.
Credit determination	Account paid as agreed. Never late.
Can't repay my loan	In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.
Disclosure verification of debt	SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.
Incorrect information on credit report	Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Incorrect information on your report	I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.
Improper use of your report	Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.
Managing the loan or lease	My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.
Incorrect information on credit report	My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.
Unable to get your credit report or credit score	I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.
Identity theft / Fraud / Embezzlement	I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.
Incorrect information on your report	XXXX and Experian are showing an outstanding balance on my credit report that I do not owe for XXXX XXXX XXXX . I have reached out to XXXX XXXX XXXX regarding this account and they indicated that the account was paid off XXXX / XXXX / 2014 . I contacted XXXX XXXX XXXX in my financial counselors ' office and she too heard them confirm my account status.
Problems caused by my funds being low	There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.
Disclosure verification of debt	Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.
Account opening, closing, or management	I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.
False statements or representation	IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.
Communication tactics	This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.
Incorrect information on your report	After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.
Incorrect information on credit report	XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX
Money was not available when promised	OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.
Cont'd attempts collect debt not owed	A bill for {$93.00} that I do not owe. Looks like a scam letter.
Taking/threatening an illegal action	Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.
Unexpected or other fees	I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.
Shopping for a loan or lease	I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.
Communication tactics	Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....
Improper contact or sharing of info	When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.
Incorrect information on your report	XXXX, Experian, XXXX all are treating three hard inquiries as THREE hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, XXXX and XXXX XXXX, XXXX for XXXX and XXXX XXXX, XXXX for XXXX. These are supposed to be treated as one inquiry.
Improper use of your report	Equifax was hacked and exposed my data to XXXX knows who.
Taking out the loan or lease	I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.
Communication tactics	West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.
Getting a credit card	On XXXX / XXXX /2017 I received a letter from Sychrony Bank, Creditor stating I was denied for a Lowes credit card that I never applied for. I also can not find valid contact info to this bank.
Cont'd attempts collect debt not owed	I have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.
Incorrect information on your report	My identity was stolen
Loan modification,collection,foreclosure	On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.
False statements or representation	I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.
Written notification about debt	I received notification form XXXX that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.
Improper use of your report	I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.
Problem with a credit reporting company's investigation into an existing problem	They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for inquiry
Incorrect information on credit report	TransUnion is reporting that I have foreclosure which I never had
Closing your account	I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.
Fraud or scam	The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.
Getting a credit card	The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.
Communication tactics	XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.
Taking/threatening an illegal action	I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?
Loan servicing, payments, escrow account	DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...
Dealing with my lender or servicer	Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.
Incorrect information on your report	XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Advertising and marketing, including promotional offers	I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.
Incorrect information on your report	My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.
Bankruptcy	My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.
Incorrect information on your report	XXXX and XXXX are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed 2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.

Managing the loan or lease

I traded in a truck, and the dealership delayed the payoff to Ally, therefore Ally, charged late fees and negatively reported to credit bureau.

Improper use of your report

There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX

Incorrect information on credit report

My name is not XXXX. I never lived at XXXX, NY XXXX

Improper contact or sharing of info

PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Was approved for a loan, but didn't receive money

Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks you.

Can't repay my loan

Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.

Incorrect information on credit report

TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.

Charged bank acct wrong day or amt

Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...

Closing/Cancelling account

I called XXXX Bank to remove as an authorizied user thats effecting my credit for XXXX dollars of over utilization .Please have them take off this account thats dragging down my credit score only this XXXX account.

False statements or representation

I have had XXXX and have been covered fully since 2012. I have faxed proof, contacted several times and it never gets resolved but is continuing destroying my credit score.

Improper use of your report

Im filing a complaint about the Equifax data breach.

Incorrect information on your report

I would like ALL dispute comments removed from my credit report.

Attempts to collect debt not owed

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene

Communication tactics

On XXXX XXXX XXXX , I received another collection call for a debt owed by a XXXX XXXX . There is not and never has been a XXXX XXXX at this number. I have received monthly calls from multiple debt collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.

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

I PREVIOUSLY COMPLAINED ABOUT XXXX XXXX REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

Taking/threatening an illegal action

I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.

Struggling to pay your loan

States that I owe a balance of {$800.00} and odd dollars.

Loan servicing, payments, escrow account

To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,

Struggling to repay your loan

I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.

Cont'd attempts collect debt not owed

We keep getting calls from Midland Credit ( XXXX asking for a XXXX XXXX. When we tell them that no one by that name lives here and to take us off their list they hang up with no response. And then they call back later.

Incorrect information on credit report

On my addresses listed there is an address from XXXX Texas. I have never lived there, which may be someone using my credit for all these inquiry 's

Problem with a purchase shown on your statement

Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX

Incorrect information on your report

I have contact Gm Financial to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them

Improper contact or sharing of info

Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.

Account opening, closing, or management

The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation

Communication tactics

although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.

Cont'd attempts collect debt not owed

CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Incorrect information on your report

My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian credit report.

Incorrect information on credit report

The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.

Incorrect information on your report

cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police report

Incorrect information on your report

Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.

Incorrect information on credit report

Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX

Incorrect information on your report

Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report

Improper use of my credit report

I keep getting loan offers an cars approved loans tellamarketers

Attempts to collect debt not owed

I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.

Loan modification,collection,foreclosure

Dual Trucking regulation is violated with CFPB rules Establish strong Protections for home owners facing foreclosure.Need your help Fay Servicing is in process looking a workout solution to keep my home but at the same time XXXX XXXX. wants to precede with the foreclosure the property they are requesting at the XXXX county court XXXX XXXX hearing date is coming on XXXX XXXX at XXXX room XXXX

Communication tactics

Company, Halsted Financial, calls 4-5 times per day. When I answer the phone the person on the other end says nothing and does not hang up.

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

Equifax and XXXX a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Took or threatened to take negative or legal action

I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.

Cont'd attempts collect debt not owed

This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

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

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Incorrect information on your report

The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. Thank you.

Disclosure verification of debt

I was contacted by a debt collector for XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.

Cont'd attempts collect debt not owed

Creditor agreed to remove my liability from the account and has removed from all CBR agencies.

Improper contact or sharing of info

I was contacted by XXXX XXXX several times and so was my husband and other parties. They stated that they were filing action against me for fraud. They would contact me at work before XXXX and when I requested a debt validation letter they only stated they would email it to me even when I requested this by mail said he would not send it via 'snail mail '

Disclosure verification of debt

I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.

Communication tactics

Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.

Incorrect information on credit report

please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. thank you

Incorrect information on your report

I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.

Cont'd attempts collect debt not owed

I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.

Credit determination

Account paid as agreed. Never late.

Can't repay my loan

In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.

Disclosure verification of debt

SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.

Incorrect information on credit report

Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Incorrect information on your report

I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.

Improper use of your report

Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

Managing the loan or lease

My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.

Incorrect information on credit report

My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.

Unable to get your credit report or credit score

I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.

Identity theft / Fraud / Embezzlement

I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.

Incorrect information on your report

XXXX and Experian are showing an outstanding balance on my credit report that I do not owe for XXXX XXXX XXXX . I have reached out to XXXX XXXX XXXX regarding this account and they indicated that the account was paid off XXXX / XXXX / 2014 . I contacted XXXX XXXX XXXX in my financial counselors ' office and she too heard them confirm my account status.

Problems caused by my funds being low

There is an error in reporting of payments posted to an account. Wells Fargo issued an Overdraft fee that in my bank register I can not verify ; however, the bank can see the Overdraft and say there is no error on the banks part for the posting order.

Disclosure verification of debt

Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.

Account opening, closing, or management

I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.

False statements or representation

IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.

Communication tactics

This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.

Incorrect information on your report

After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.

Incorrect information on credit report

XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX

Money was not available when promised

OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.

Cont'd attempts collect debt not owed

A bill for {$93.00} that I do not owe. Looks like a scam letter.

Taking/threatening an illegal action

Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.

Unexpected or other fees

I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.

Shopping for a loan or lease

I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.

Communication tactics

Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....

Improper contact or sharing of info

When 1st contact by them on XXXX called back and ask them not to call my cell phone number and used a XXXX number to call me and call again today XX/XX/2017 on my cell phone again.

Incorrect information on your report

XXXX, Experian, XXXX all are treating three hard inquiries as THREE hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, XXXX and XXXX XXXX, XXXX for XXXX and XXXX XXXX, XXXX for XXXX. These are supposed to be treated as one inquiry.

Improper use of your report

Equifax was hacked and exposed my data to XXXX knows who.

Taking out the loan or lease

I applied for a loan with Rise Credit on XXXX/XXXX/16 and was denied for the following reason : Fraudulentactivityassociatedwithapplication. I called and spoke to a supervisor who was not helpful and was agreeing with the denial reason, there was no false or fraudulent information provided. This either gets resolved or i involve a lawyer with a class action lawsuit for discrimination, falsification, and defamation of character.

Communication tactics

West Asset Management has been calling my boyfriend 's cell phone everyday after he asked them to not call him anymore as he is not responsible for my debt. My boyfriend has recorded numerous times that they still continue to call and using aggressive measures to collect a debt. This company is harassing someone who does not owe this debt and should be held accountable for these attempts after being asked numerous times not to call that number.

Getting a credit card

On XXXX / XXXX /2017 I received a letter from Sychrony Bank, Creditor stating I was denied for a Lowes credit card that I never applied for. I also can not find valid contact info to this bank.

Cont'd attempts collect debt not owed

I have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.

Incorrect information on your report

My identity was stolen

Loan modification,collection,foreclosure

On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.

False statements or representation

I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.

Written notification about debt

I received notification form XXXX that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.

Improper use of your report

I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.

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

They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for inquiry

Incorrect information on credit report

TransUnion is reporting that I have foreclosure which I never had

Closing your account

I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.

Fraud or scam

The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.

Getting a credit card

The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.

Communication tactics

XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.

Taking/threatening an illegal action

I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?

Loan servicing, payments, escrow account

DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...

Dealing with my lender or servicer

Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.

Incorrect information on your report

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Advertising and marketing, including promotional offers

I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.

Incorrect information on your report

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

Bankruptcy

My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.

Incorrect information on your report

XXXX and XXXX are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed 2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.