determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.
Dealing with my lender or servicer	I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.
Incorrect information on credit report	Equifax is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.
Managing the loan or lease	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Disclosure verification of debt	I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.
Credit reporting company's investigation	9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.
Incorrect information on credit report	XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. Thank you, XXXX
Account opening, closing, or management	My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in
Incorrect information on credit report	I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.
Improper use of my credit report	XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015
Getting a credit card	I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry
Cont'd attempts collect debt not owed	I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
Incorrect information on your report	XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes
Incorrect information on credit report	All negative reports should be deleted from my file. Each account has been paid to the original creditor.
Identity theft / Fraud / Embezzlement	Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.
Incorrect information on credit report	Unauthorized inquiry and/or unknown company
Loan servicing, payments, escrow account	My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.
Incorrect information on credit report	I have XXXX accounts accounts on my trans union report that are reporting incorrectly 1 bankruptcy not mine must be mixed file 2 nissisn infinity not mine mixed file 3 XXXX XXXX not mine
Loan servicing, payments, escrow account	Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.
Loan modification,collection,foreclosure	We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..
Attempts to collect debt not owed	Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.
Attempts to collect debt not owed	There are XXXX accounts that do n't appear to be mine Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$2500.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$560.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$3600.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$440.00}
Incorrect information on credit report	Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.
Communication tactics	I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you
Struggling to repay your loan	In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.
Taking/threatening an illegal action	XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.
Attempts to collect debt not owed	I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.
Cont'd attempts collect debt not owed	I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.
Improper use of your report	I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Communication tactics	I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.
Improper use of your report	Unauthorized inquiry.
Loan servicing, payments, escrow account	I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?
Dealing with my lender or servicer	I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me
Problem with a credit reporting company's investigation into an existing problem	For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
Loan servicing, payments, escrow account	My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.
Credit reporting company's investigation	I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.
Incorrect information on credit report	XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.
Communication tactics	Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.
Communication tactics	This morning my XXXX year old mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.
Incorrect information on credit report	I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.
Cont'd attempts collect debt not owed	I had a bill from XXXX, which I never received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.
Incorrect information on credit report	TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
Attempts to collect debt not owed	Calls multiple times a day. Cant give me any info. Wants {$600.00} over the phone.
Incorrect information on your report	On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.
Credit monitoring or identity theft protection services	Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.
Incorrect information on credit report	Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..
Communication tactics	Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.
Incorrect information on your report	I contacted XXXX asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so. Thank you
Account opening, closing, or management	I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.
Incorrect information on credit report	I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.
Billing disputes	Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.
Shopping for a loan or lease	CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO
Improper use of your report	XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down
Attempts to collect debt not owed	The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
False statements or representation	Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.
Incorrect information on your report	Capital One reports to the three credit bureaus that I owe money. I did not open these cards nor do I owe any of these companies any money.
Cont'd attempts collect debt not owed	It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/2014.
Problems caused by my funds being low	I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.
Dealing with my lender or servicer	Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.
Unauthorized transactions/trans. issues	Unable to receive my paycheck that 's been direct deposited.
Improper use of your report	It has become apparant that the Data Breach in Equifax has caused considerable damage to XXXX of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from alXXXX XXXX reporting agencies and new social security numbers issued
Cont'd attempts collect debt not owed	After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.
Improper use of your report	I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.
Late fee	on XXXX/XXXX/16 I have a XXXX so why did they chg a ate fee of XXXX on XXXX/XXXX/16, and still have a pending XXXX
Taking out the loan or lease	I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.
Dealing with my lender or servicer	when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.
Disclosure verification of debt	Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.
Charged fees or interest I didn't expect	I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.
Written notification about debt	I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money
Can't repay my loan	My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.
Advertising and marketing, including promotional offers	Sent me advertising when I am on the option out of credit card prescreening on this website XXXX XXXX XXXX XXXX setup by federal government laws and enforcement done by cfpd according to the federal tade commission. Please fine these people. It 's against set laws to mail me advertising after I am on this lifetime list. Which is pulled from the five credit bureaus. Such as XXXX, XXXX, XXXX XXXX, etc.
Cont'd attempts collect debt not owed	I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Improper use of your report	i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report
Problems caused by my funds being low	I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to TD bank, but they were no help and refused to do anything to assist me in this matte.r
Fraud or scam	CareCredit/Synchrony Bank has placed an excessive incorrect monthly interest charge on my account and will not respond to my letters, calls, or emails.
Incorrect information on your report	Equifax shows my closed and paid in full account with XXXX XXXX XXXX XXXX to be open with a $ 28K+ balance, payments past due, etc. This account was paid in full in XX/XX/2015. Nothing I do seems to be able to get them to adjust the account status.
Incorrect information on your report	XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Credit reporting company's investigation	Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.
Loan servicing, payments, escrow account	I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?
Disclosure verification of debt	Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.
Communication tactics	Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
Cont'd attempts collect debt not owed	Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason
Incorrect information on credit report	XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.
Improper use of my credit report	My credit report was released to several companies without my consent.
Credit reporting company's investigation	I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.
Communication tactics	They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,
Deposits and withdrawals	I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.
Problem with a credit reporting company's investigation into an existing problem	Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
Communication tactics	This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.
Cont'd attempts collect debt not owed	I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.
Incorrect information on your report	id theft victim everything enclosed police report enclosed hippa riights and cra
Credit monitoring or identity theft protection services	CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.
Other transaction issues	Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.
Incorrect information on credit report	Experian is reporting an open collection item which i settled in full
Improper use of your report	I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. I did not give this company permission to pull my credit report.
Struggling to pay mortgage	They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again
Incorrect information on credit report	Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed.
Problem with a credit reporting company's investigation into an existing problem	EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS
False statements or representation	XX/XX/XXXX Motion for Judgement

Account opening, closing, or management

I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.

Dealing with my lender or servicer

I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.

Incorrect information on credit report

Equifax is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.

Managing the loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Disclosure verification of debt

I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Credit reporting company's investigation

9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.

Incorrect information on credit report

XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. Thank you, XXXX

Account opening, closing, or management

My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in

Incorrect information on credit report

I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.

Improper use of my credit report

XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015

Getting a credit card

I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry

Cont'd attempts collect debt not owed

I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.

Incorrect information on your report

XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes

Incorrect information on credit report

All negative reports should be deleted from my file. Each account has been paid to the original creditor.

Identity theft / Fraud / Embezzlement

Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.

Incorrect information on credit report

Unauthorized inquiry and/or unknown company

Loan servicing, payments, escrow account

My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.

Incorrect information on credit report

I have XXXX accounts accounts on my trans union report that are reporting incorrectly 1 bankruptcy not mine must be mixed file 2 nissisn infinity not mine mixed file 3 XXXX XXXX not mine

Loan servicing, payments, escrow account

Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.

Loan modification,collection,foreclosure

We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..

Attempts to collect debt not owed

Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.

Attempts to collect debt not owed

There are XXXX accounts that do n't appear to be mine Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$2500.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$560.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$3600.00} Account # XXXX As of : XXXX / XXXX / XXXX Amount : {$440.00}

Incorrect information on credit report

Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.

Communication tactics

I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you

Struggling to repay your loan

In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.

Taking/threatening an illegal action

XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.

Attempts to collect debt not owed

I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.

Cont'd attempts collect debt not owed

I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.

Improper use of your report

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Communication tactics

I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.

Improper use of your report

Unauthorized inquiry.

Loan servicing, payments, escrow account

I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?

Dealing with my lender or servicer

I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me

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

For ACS/XXXX to remove the 120 days late reporting status. The credit bureas to notice ACS/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All XXXX bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.

Loan servicing, payments, escrow account

My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.

Credit reporting company's investigation

I have contacted transunion many times in regards to this matter. XXXX XXXX in the amount of XXXX remains on my account after disputing many times because no documentation has been goven to me verifying this is my dept. They only send me my bill to pay them which i know we had no contract. My name is not even spelled right on the bill. Transunion states they have verified my dept to this collector but no verification has been presented to me.

Incorrect information on credit report

XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.

Communication tactics

Repeated calls and no messages. I do not believe the calls are for me, but for the person who previously had my number. There has been no written communication from the identified company, a violation of the FDCPA.

Communication tactics

This morning my XXXX year old mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.

Incorrect information on credit report

I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.

Cont'd attempts collect debt not owed

I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.

Incorrect information on credit report

TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.

Attempts to collect debt not owed

Calls multiple times a day. Cant give me any info. Wants {$600.00} over the phone.

Incorrect information on your report

On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.

Credit monitoring or identity theft protection services

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.

Incorrect information on credit report

Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..

Communication tactics

Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.

Incorrect information on your report

I contacted XXXX asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so. Thank you

Account opening, closing, or management

I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.

Incorrect information on credit report

I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.

Billing disputes

Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.

Shopping for a loan or lease

CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO

Improper use of your report

XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down

Attempts to collect debt not owed

The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

False statements or representation

Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.

Incorrect information on your report

Capital One reports to the three credit bureaus that I owe money. I did not open these cards nor do I owe any of these companies any money.

Cont'd attempts collect debt not owed

It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/2014.

Problems caused by my funds being low

I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.

Dealing with my lender or servicer

Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.

Unauthorized transactions/trans. issues

Unable to receive my paycheck that 's been direct deposited.

Improper use of your report

It has become apparant that the Data Breach in Equifax has caused considerable damage to XXXX of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from alXXXX XXXX reporting agencies and new social security numbers issued

Cont'd attempts collect debt not owed

After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.

Improper use of your report

I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.

Late fee

on XXXX/XXXX/16 I have a XXXX so why did they chg a ate fee of XXXX on XXXX/XXXX/16, and still have a pending XXXX

Taking out the loan or lease

I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.

Dealing with my lender or servicer

when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.

Disclosure verification of debt

Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.

Charged fees or interest I didn't expect

I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.

Written notification about debt

I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money

Can't repay my loan

My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.

Advertising and marketing, including promotional offers

Sent me advertising when I am on the option out of credit card prescreening on this website XXXX XXXX XXXX XXXX setup by federal government laws and enforcement done by cfpd according to the federal tade commission. Please fine these people. It 's against set laws to mail me advertising after I am on this lifetime list. Which is pulled from the five credit bureaus. Such as XXXX, XXXX, XXXX XXXX, etc.

Cont'd attempts collect debt not owed

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Improper use of your report

i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report

Problems caused by my funds being low

I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to TD bank, but they were no help and refused to do anything to assist me in this matte.r

Fraud or scam

CareCredit/Synchrony Bank has placed an excessive incorrect monthly interest charge on my account and will not respond to my letters, calls, or emails.

Incorrect information on your report

Equifax shows my closed and paid in full account with XXXX XXXX XXXX XXXX to be open with a $ 28K+ balance, payments past due, etc. This account was paid in full in XX/XX/2015. Nothing I do seems to be able to get them to adjust the account status.

Incorrect information on your report

XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Credit reporting company's investigation

Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.

Loan servicing, payments, escrow account

I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?

Disclosure verification of debt

Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.

Communication tactics

Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.

Cont'd attempts collect debt not owed

Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason

Incorrect information on credit report

XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.

Improper use of my credit report

My credit report was released to several companies without my consent.

Credit reporting company's investigation

I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.

Communication tactics

They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,

Deposits and withdrawals

I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.

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

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one

Communication tactics

This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.

Cont'd attempts collect debt not owed

I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.

Incorrect information on your report

id theft victim everything enclosed police report enclosed hippa riights and cra

Credit monitoring or identity theft protection services

CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.

Other transaction issues

Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.

Incorrect information on credit report

Experian is reporting an open collection item which i settled in full

Improper use of your report

I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. I did not give this company permission to pull my credit report.

Struggling to pay mortgage

They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again

Incorrect information on credit report

Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed.

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

EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS

False statements or representation

XX/XX/XXXX Motion for Judgement