determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
Credit reporting company's investigation	Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.
Incorrect information on credit report	XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.
Communication tactics	I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
Problem with a credit reporting company's investigation into an existing problem	Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason
Incorrect information on credit report	A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.
Other service problem	A money transfer was supposed to occ ur 2 weeks ago and BOA has provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.
Attempts to collect debt not owed	Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.
Cont'd attempts collect debt not owed	Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
Cont'd attempts collect debt not owed	After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. It 's not fair that I 'm being held captive for something that does not belong to me.
Other features, terms, or problems	CREDIT INSURACE ON THE ACCTS THE BANK COMMITTED FRAUD AS THEY WERE PAID BY INSURANCE BUT THEY CHARGED OFF THE ACCT WHICH IS FRAUD
Disclosure verification of debt	I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.
Incorrect information on credit report	I have an account on my credit report that is reporting incorrect information XXXX incorrect payment information
Incorrect information on credit report	Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.
Problem with a purchase shown on your statement	XXXX XXXX has failed to send out fraud forms and readjust the balance on my account including the minimum amount due due to fraud charged on my credit card. Additionally they have reported to the credit bureaus that I am 30 days late on a payment, I have lost the card 2 months ago and I have not been able to log into the account online due to it being blocked.
Problem with a credit reporting company's investigation into an existing problem	I requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.
Incorrect information on your report	i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses
Billing statement	After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.
Incorrect information on your report	XXXX XXXX XXXX XXXX-2015 Not my account Fraud account identity theft
Written notification about debt	PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense
Fees or interest	I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the fee.
Attempts to collect debt not owed	They have claimed that I owe {$120.00} but each time when I visited for XXXX I got charged and I paid for it so all paid in full ....
Dealing with your lender or servicer	I have called Navient on numerous occasions, when I first graduated and received the loans I tried to get a lower payment. I was denied on several attempts. Then I enrolled back in school and continuously had to call. I am very unhappy with the constant denial and lack of support from this organization. I am displeased with the customer service.
Incorrect information on credit report	These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. XXXX XXXX Credit Card XX/XX/XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Closed 1 Missed Payment {$1000.00}
Incorrect information on your report	There are many mistakes in my report, I demand the following accounts be verified or removed immediately : XXXX XXXX CT NJ XXXX XXXX : unverified account XXXX Account # XXXX : unverified account XXXX XXXX XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account XXXX Account # XXXX : unverified account
Account opening, closing, or management	The interest on my Synchrony Bank Walmart credit card went up without any notice. The banks that own credit cards want to be able to do anything they want to their customers, hiking up the interest rates, since theyre variable.
Managing the loan or lease	Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.
Incorrect information on your report	I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.
Improper contact or sharing of info	A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw
Application, originator, mortgage broker	The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.
Loan servicing, payments, escrow account	I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.
Incorrect information on credit report	Was checking free credit report and there is an address from XXXX that I never lived at. I have been living at current address since XXXX
Loan servicing, payments, escrow account	I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.
Fees or interest	I have a citi simplicity card. I pay my balance in full but was still charged interest XXXX when calling the company they said they charged the interest every circle???
Application, originator, mortgage broker	I purchased an appraisal though Solidifi, It came back incomplete and with a lot of errors. They would not give me a refund.
Problem with the payoff process at the end of the loan	My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX and the account has been closed. I have confirmation fromXXXX XXXX to that effect. How does this record get taken off outstanding debt?
Charged fees or interest I didn't expect	I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help
Incorrect information on your report	Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Communication tactics	CBE Group debt collector is using an automated dialing system to call my cell phone from a spoof phone number throughout the day and evening. The number they are using is intended to mask itself as a local phone number. I called the number XXXX and verified it 's forwarded to the CBE Group.
Communication tactics	This company has called my husband repeatedly demanding payment. We are currently working with our insurance company to cover the bill. We have also stated to this company to ceast and desist until we are able to straighten the situation out.
Incorrect information on credit report	MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX/XX/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX/XX/XXXX AND IT HAS YET TO BE REMOVED.
Taking/threatening an illegal action	Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!
Incorrect information on credit report	There is something from XXXX on my credit report and I know nothing about any outstanding bill from XXXX.
Incorrect information on credit report	EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Disclosure verification of debt	Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. The last payday loan I received was in XXXX for the California state maximum of {$300.00}
Credit monitoring or identity protection	Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation.
Threatened to contact someone or share information improperly	An employee called my wife telling my wife that I was in their bad debt and that something needs to be done today or they will Garnish my check. I have also spoke to the manager and district manager about this on several occasions. Several employee has been very disrespectful. They are giving my person information to 3rd parties.
Attempts to collect debt not owed	The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.
Payment to acct not credited	In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX
Incorrect information on your report	XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.
Attempts to collect debt not owed	I have reach out to these oeople an the credit Agency and not happening.Ive had my identity stole.This has cause my life an credit to not succeed.please take action.This are not me.I live in XXXX Florida. <P/>XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX These companies after serveral letters they keep restarting the collection.that not fair.
Credit reporting company's investigation	Experian has allowed collection agencies to re-post and resell accounts to appear as new and current. And they are not new.
Incorrect information on your report	I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. XXXX refused to remove the lates of my credit report.
Improper use of your report	I was affected by the Equifax data breach
Trouble during payment process	My previous complaint with Nationstar Mortgage was looked into deeper by the company regarding a sum held in a suspense account that was not applied to a payment, thus making every payment following that late. After the XXXX review, Nationstar admitted fault, stated they would go back and change the VOM, but have not yet completed this. The payment history was completed, but not the VOM.
Communication tactics	My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.
Problems caused by my funds being low	I was overdrawn on my account and was charged XXXX in fees.
Billing disputes	Chase Credit card provided a credit card number to a merchant that I had not provided myself. I called and put the charge in dispute, Chase committed fraud by providing my credit card number without my approval to a merchant
Disclosure verification of debt	Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt.
Loan modification,collection,foreclosure	My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. We have contacted Ocwen on several occasions with no response to the information we requested.
Disclosure verification of debt	Debt it not valid.
Loan servicing, payments, escrow account	I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.
Incorrect information on your report	I have 4 erroneous accounts that appears on my Experian Credit report with Account number of XXXX. They have respective balances of {$33000.00}, {$53000.00}, {$26000.00}, {$8500.00}. These accounts are in current status and are duplicates of same accounts which already appear on my credit report as current accounts.
Unable to get credit report/credit score	I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.
Incorrect information on credit report	The address, XXXX XXXX XXXX XXXX ; XXXX, Alabama XXXX is incorrect. I have never resided at this address.
Cont'd attempts collect debt not owed	I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.
Improper contact or sharing of info	I keep receiving phone calls from XXXX. I 've left XXXX voicemails on their answering machine advising the person they are trying to contact does not live at my address. They keep calling each week. I can not get them to stop calling me despite NUMEROUS attempts to get them to stop.
Cont'd attempts collect debt not owed	Debt reported on credit stated I opened a account in XXXX .
Unable to get credit report/credit score	This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at Experian ), and I was never able to get XXXX XXXX report. The free website would lock up, it was very difficult to use, and the whole process took hours.
Problem with a credit reporting company's investigation into an existing problem	Reopening case # XXXX with additional proof. Please see attached the online pdf excerpt of my latest bill, which I sent to the customer service rep ( and which she ignored ). Please see the date stamp and compare to company 's. Claim was that I had a past due amount but my view of my online activity showed none. I sent an email to customer service with this copy and no one replied.
Cont'd attempts collect debt not owed	the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item
Cont'd attempts collect debt not owed	This is in reference to claim number : XXXX. I have energy bill statements, but also, if I owe this much in rent, why are there no records of eviction notices attached? An eviction notice does not entitle someone to be there for that length of period without consequences.
Incorrect information on credit report	no verification of signature or contract
False statements or representation	This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her.
Disclosure verification of debt	On XXXX XXXX, 2015 I requested debt validation from Business Professional. They responded with a letter refusing to provide validation. Please see attached letter received.
Communication tactics	Affiliate Asset Solutions Keeps repeating to call my home and cell number despite XXXX letter to them asking them to not call me and I will only accept correspondence via XXXX Mail. when i spoke to them on XXXX and told them this " XXXX '' said " we are not going to mail you every time we need to talk to you and will keep calling ''
Written notification about debt	There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help
Communication tactics	I received a phone called at work from a XXXX at Asset recovery solutions. This person was very degrading and I spoke to me in a very condescendingly way. Then alluded to suing me for not paying my debt.
Managing an account	Hello, on XX/XX/XXXX someone used my card at a chase ATM when I had just gotten off work at XXXX XXXX, and chase is saying that since the person used my PIN number I am eligible for the fee and they have my account {$210.00} in the whole due to not simply checking the video .The person took the money out at XXXX.
Improper use of your report	There are hard inquiry on my account that I did n't authorize. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Communication tactics	Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.
Incorrect information on your report	My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.
Improper use of your report	In reviewing my credit report, I noticed a Hard Inquiry from Capital One on XXXX of 2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.
Incorrect information on your report	I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
Improper use of your report	I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
Communication tactics	I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.
Dealing with my lender or servicer	I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.
Problems caused by my funds being low	I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.
Improper use of your report	Company : Equifax Equifax mishandled my information, which puts me and countless other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Fraud or scam	To Whom it may concern, My name is XXXX XXXX on XXXX,2015. I went to Walmart and sent my mother {$310.00} plus {$9.00} thru Money Gram. It is now XXXX,2015 and they wont refund my money nor give my Mother the money I sent to her. I have called continously with no avail and visited Walmart with no avail. MoneyGram employee 's have given me bogus names and agent id numbers and hang up in my face. The only thing I want is my refund. Sincerely XXXX XXXX XXXX
Incorrect information on your report	I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account. There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with a new account number.
Problem with a credit reporting company's investigation into an existing problem	On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....
Improper use of your report	XXXX infamously mishandled millions of Americans private data including my own.
Incorrect information on credit report	FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.
Improper use of your report	I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.
Incorrect information on your report	I had XXXX accounts with XXXX XXXX XXXX which have been paid off but Transunion will not update credit report to reflect paid in full. The XXXX account numbers are as follows : 1. XXXX {$2200.00} 2. XXXX {$5400.00}
Late fee	The Macy 's payments website did not process my payment
Can't contact lender	The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me
Cont'd attempts collect debt not owed	Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.
Improper contact or sharing of info	This creditor is harrasing me at work. They are calling my children repeatedly.

Incorrect information on your report

XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX 2017 Dear XXXX Experian/ XXXX : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; XXXX has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ Experian XXXX XXXX 2017. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX

Credit reporting company's investigation

Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.

Incorrect information on credit report

XXXX XXXX sent me notice that they would remove an inaccurate account from my report and Equifax has refused to update and remove the information.

Communication tactics

I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.

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

Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason

Incorrect information on credit report

A tax lien was Recorded in Error, i been contacting the credit buteaus to remove it, yet they keep refusing to remove that record from my credit report.