determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.
Improper use of your report	I disputed unauthorized inquiries multiple times with Equifax and they are refusing to remove them. Equifax said that I should contact the creditors first, I have wrote letters and got no response, so I contacted this bureau and they refuse to do anything about the situation. I have called multiples times and last disputed them on XXXX2017.
Improper use of your report	I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP
Managing, opening, or closing account	I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.
Incorrect information on credit report	While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.
Communication tactics	They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.
Shopping for a line of credit	I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.
Closing/Cancelling account	I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.
Incorrect information on your report	Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.
Communication tactics	Direct Recovery Services is calling me multiple times a day from multiple different phone numbers.
Account opening, closing, or management	Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?
Loan servicing, payments, escrow account	Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.
Cont'd attempts collect debt not owed	this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP
Incorrect information on credit report	On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.
Loan modification,collection,foreclosure	SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. XXXX XXXX, XXXX
Struggling to repay your loan	Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since 1997. V ery misleading I have less than 120 months left on loan
Unable to get credit report/credit score	I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.
Incorrect information on credit report	I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.
Incorrect information on credit report	My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.
Cont'd attempts collect debt not owed	was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.
Communication tactics	They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.
Managing the loan or lease	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 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.
Can't repay my loan	I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''
Incorrect information on your report	The company has reported false and inaccurate information on my credit report. They have reported this information to XXXX and XXXX using different company names, different account balances, etc. I have contacted XXXX to request that they remove this false and inaccurate information and nothing has been done.
Cont'd attempts collect debt not owed	a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX
Incorrect information on your report	This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.
Incorrect information on credit report	Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.
Improper contact or sharing of info	Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.
Managing the loan or lease	Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.
Cont'd attempts collect debt not owed	Continual harassment on my cell phone daily
Incorrect information on your report	My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
False statements or representation	Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply
Improper use of your report	I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB. I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.
Incorrect information on your report	This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.
Disclosure verification of debt	I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Cont'd attempts collect debt not owed	i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. the second company is XXXX. i payed them up to when i had them disconnect my service.
Credit reporting company's investigation	SENT SEVERAL LETTERS TO TRANSUNION. DID N'T GET REPONSE TO MY COMPLAIN.
Communication tactics	They have been calling since XXXX and in a matter of 3 hours have called 5 times and left 2 messages.
Incorrect information on credit report	I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.
Loan servicing, payments, escrow account	I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!
Account opening, closing, or management	My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review
Written notification about debt	My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,
Disclosure verification of debt	The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.
Improper use of your report	XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.
Cont'd attempts collect debt not owed	I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.
Incorrect information on your report	have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account
Dealing with my lender or servicer	Navient has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.
Disclosure verification of debt	I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.
Disclosure verification of debt	Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.
Can't repay my loan	Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.
Disclosure verification of debt	XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment
Incorrect information on your report	Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.
Taking/threatening an illegal action	My mother was called by a collection agency that is trying to contact me. She was told that if I did not get back to them that day, a warrant would be issued for my arrest. This is of course untrue, and an illegal practice. They harrased her for my contact number and caused stress to my mother who is XXXX XXXX XXXX. The number that called is : XXXX, and they claimed the name of their company is Warner Asset Location Services
Credit monitoring or identity theft protection services	Equifax was hacked, my personal information is at risk
Cont'd attempts collect debt not owed	I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.
Cont'd attempts collect debt not owed	XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.
Incorrect information on your report	New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Closing an account	I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me
Applying for a mortgage or refinancing an existing mortgage	I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.
Communication tactics	They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.
Improper use of your report	I never heard of this company .I have n't apply for any credit card nor any loans what so ever.
Improper contact or sharing of info	Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.
Credit reporting company's investigation	My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.
Attempts to collect debt not owed	Account appeared on my credit profile, this account is not mine.
Money was not available when promised	I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.
Opening an account	X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into XXXX XXXX
Managing the loan or lease	Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband
Problem with a credit reporting company's investigation into an existing problem	Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature
Incorrect information on credit report	on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.
Improper contact or sharing of info	Third-Party Debt Collector contact and attempted to collect on a credit card debt that is well past the Statute of Limitations RSMo Statute 516.120 for collection of a debt within the State of Missouri.
Payoff process	My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.
Managing an account	I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money
Received a loan I didn't apply for	Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.
Disclosure verification of debt	I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.
Incorrect information on credit report	bankruptcy still on credit report. Bankruptcy submitted XX/XX/2004
Disclosure verification of debt	Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.
Disclosure verification of debt	A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.
Loan servicing, payments, escrow account	My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.
Fraud or scam	I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.
Problems when you are unable to pay	I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.
Incorrect information on credit report	My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. Please have early warning clear my name.
Incorrect information on credit report	Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.
Can't repay my loan	I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.
Loan servicing, payments, escrow account	I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.
Transaction issue	I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge
Unable to get credit report/credit score	On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. I repeated my request via the automated phone system and again it was accepted. In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.
Account opening, closing, or management	I closed mmy account and video recorded myself doing it and XXXX is fraudulently trying to keep it open
Improper contact or sharing of info	i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job
Attempts to collect debt not owed	I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!
Payoff process	I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.
Incorrect information on your report	made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.
Attempts to collect debt not owed	There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP
Cont'd attempts collect debt not owed	I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.
Loan servicing, payments, escrow account	I made a payment prior to the XXXX of the month but the payment was n't credited to the account until days later. I was charged a late payment last month. The payment I submitted on the XXXX of this month has yet to be withdrawn from my account as of the XXXX. I am worried I will be assessed another late fee.
Written notification about debt	Someone open accounts using my private info without authorization or disclosure.
Problem with a credit reporting company's investigation into an existing problem	Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.
Attempts to collect debt not owed	I do not know where this credit is being charged for. I have never received services from this company.
Improper use of your report	Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. Called TransUnion and representative hung phone up on me.
Problem with a credit reporting company's investigation into an existing problem	I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.
Incorrect information on credit report	A lot of negative inaccurate debit that is over decade old and is not mine.

Cont'd attempts collect debt not owed

I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.

Improper use of your report

I disputed unauthorized inquiries multiple times with Equifax and they are refusing to remove them. Equifax said that I should contact the creditors first, I have wrote letters and got no response, so I contacted this bureau and they refuse to do anything about the situation. I have called multiples times and last disputed them on XXXX2017.

Improper use of your report

I have 2 hard pulls from XXXX XXXX 16. no way. plus the next one was a prequalified that hrrased me for years, then turned me down. PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP

Managing, opening, or closing account

I am a customer with rush card / meta bank and I have not received my direct deposit that was processed by my employer and I have been unable to contact customer service to get any updates as to when I will receive my funds.

Incorrect information on credit report

While checking my Equifax credit report, I noticed that unauthorized and fraudulent inquiries were made by XXXX of XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry by anyone employee of XXXX. This conduct is in serious violation of my Privacy Act and FRCA Section:16:1 b ( c ). This inquiry was unauthorized and is fraudulent.

Communication tactics

They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.

Shopping for a line of credit

I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.

Closing/Cancelling account

I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.

Incorrect information on your report

Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.

Communication tactics

Direct Recovery Services is calling me multiple times a day from multiple different phone numbers.

Account opening, closing, or management

Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?

Loan servicing, payments, escrow account

Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.

Cont'd attempts collect debt not owed

this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP

Incorrect information on credit report

On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Loan modification,collection,foreclosure

SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. XXXX XXXX, XXXX

Struggling to repay your loan

Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since 1997. V ery misleading I have less than 120 months left on loan

Unable to get credit report/credit score

I HAVE RECIVED LETTERS IN THE MAIL REGARDING A TAG FOR A CAR. STATING THE CAR TAGS ARE GOING TO EXPIRE AND THAT I HAVE TO RENEW. I DO N'T OWN A CAR.

Incorrect information on credit report

I have a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.

Incorrect information on credit report

My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.

Cont'd attempts collect debt not owed

was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.

Communication tactics

They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.

Managing the loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 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.

Can't repay my loan

I was denied an Income-based repayment plan after I had been on one. During XX/XX/XXXX I was paying {$140.00} a month and beginning XX/XX/XXXX my payments will be increased to {$440.00}. I later learned I have only been paying interest. My denial letter for the income-based plan stated I " did not meet the federal definition of 'partial financial hardship. ' ''

Incorrect information on your report

The company has reported false and inaccurate information on my credit report. They have reported this information to XXXX and XXXX using different company names, different account balances, etc. I have contacted XXXX to request that they remove this false and inaccurate information and nothing has been done.

Cont'd attempts collect debt not owed

a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX

Incorrect information on your report

This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.

Incorrect information on credit report

Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.

Improper contact or sharing of info

Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.

Managing the loan or lease

Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.

Cont'd attempts collect debt not owed

Continual harassment on my cell phone daily

Incorrect information on your report

My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

False statements or representation

Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply

Improper use of your report

I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB. I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.

Incorrect information on your report

This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.

Disclosure verification of debt

I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Cont'd attempts collect debt not owed

i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. the second company is XXXX. i payed them up to when i had them disconnect my service.

Credit reporting company's investigation

SENT SEVERAL LETTERS TO TRANSUNION. DID N'T GET REPONSE TO MY COMPLAIN.

Communication tactics

They have been calling since XXXX and in a matter of 3 hours have called 5 times and left 2 messages.

Incorrect information on credit report

I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.

Loan servicing, payments, escrow account

I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!

Account opening, closing, or management

My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review

Written notification about debt

My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,

Disclosure verification of debt

The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.

Improper use of your report

XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.

Cont'd attempts collect debt not owed

I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.

Incorrect information on your report

have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account

Dealing with my lender or servicer

Navient has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.

Disclosure verification of debt

I pulled my credit and found a XXXX account on it and that the company Convergent reported it to my credit. We had the service about 6 years ago and when we moved from XXXX to XXXX we sent the equipment back to XXXX in the box and label that THEY provided to us. I am now trying to buy a home and can not because this account is on my credit. I do not owe this money as we complied with the terms and equipment return process.

Disclosure verification of debt

Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.

Can't repay my loan

Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.

Disclosure verification of debt

XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment

Incorrect information on your report

Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.

Taking/threatening an illegal action

My mother was called by a collection agency that is trying to contact me. She was told that if I did not get back to them that day, a warrant would be issued for my arrest. This is of course untrue, and an illegal practice. They harrased her for my contact number and caused stress to my mother who is XXXX XXXX XXXX. The number that called is : XXXX, and they claimed the name of their company is Warner Asset Location Services

Credit monitoring or identity theft protection services

Equifax was hacked, my personal information is at risk

Cont'd attempts collect debt not owed

I have disputed this debt that I do not owe with a company named Optima Recovery Services. I have filed several disputes with Experian and they have yet to correct the derogatory information on my credit file.

Cont'd attempts collect debt not owed

XXXX sent my name to collections with Fidelity Information, but I do not owe her money. I was not a party to the lease and do not owe her. She has said on numerous occasions that she is aware, but wants to be paid anyway. I 'm in the middle of buying a home and this has put a halt to my purchase. I want her criminally prosecuted.

Incorrect information on your report

New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.

Closing an account

I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me

Applying for a mortgage or refinancing an existing mortgage

I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.

Communication tactics

They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.

Improper use of your report

I never heard of this company .I have n't apply for any credit card nor any loans what so ever.

Improper contact or sharing of info

Delta Management Associates, Inc. contacted me at work on XXXX XXXX, 2016. I gave them a mailing address and asked for all future contact to be through the mail at the given address. The next day, my employer received two faxes for information from them. When contacted to ask them to cease from contacting the business, they hung up the phone.

Credit reporting company's investigation

My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.

Attempts to collect debt not owed

Account appeared on my credit profile, this account is not mine.

Money was not available when promised

I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.

Opening an account

X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into XXXX XXXX

Managing the loan or lease

Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband

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

Disputed fraud on my Transunion report of an account showing on my credit report through Transunion and XXXX. Both are reporting the account but have not provided notification of the account for XXXX XXXX. Informed them of the problems and disputed and did not verify any results and findings about the account. They did not provide proof of a contract with my signature

Incorrect information on credit report

on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.

Improper contact or sharing of info

Third-Party Debt Collector contact and attempted to collect on a credit card debt that is well past the Statute of Limitations RSMo Statute 516.120 for collection of a debt within the State of Missouri.

Payoff process

My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.

Managing an account

I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money

Received a loan I didn't apply for

Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.

Disclosure verification of debt

I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.

Incorrect information on credit report

bankruptcy still on credit report. Bankruptcy submitted XX/XX/2004

Disclosure verification of debt

Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.

Disclosure verification of debt

A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.

Loan servicing, payments, escrow account

My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.

Fraud or scam

I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.

Problems when you are unable to pay

I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.

Incorrect information on credit report

My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. Please have early warning clear my name.

Incorrect information on credit report

Equifax will not remove a Paid Tax Lien from my credit report after numerous, Disputes with them, in the disputes i sent the information the County and State Sent me. I contacted the State of Ohio Attorney Generals office and they informed me that they have sent letters to expunge the Tax Lien From my record. XXXX, and XXXX have both removed the Trade Line. But Equifax continues to report it.

Can't repay my loan

I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.

Loan servicing, payments, escrow account

I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.

Transaction issue

I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge

Unable to get credit report/credit score

On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. I repeated my request via the automated phone system and again it was accepted. In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.

Account opening, closing, or management

I closed mmy account and video recorded myself doing it and XXXX is fraudulently trying to keep it open

Improper contact or sharing of info

i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job

Attempts to collect debt not owed

I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!

Payoff process

I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.

Incorrect information on your report

made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

Attempts to collect debt not owed

There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP

Cont'd attempts collect debt not owed

I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.

Loan servicing, payments, escrow account

I made a payment prior to the XXXX of the month but the payment was n't credited to the account until days later. I was charged a late payment last month. The payment I submitted on the XXXX of this month has yet to be withdrawn from my account as of the XXXX. I am worried I will be assessed another late fee.

Written notification about debt

Someone open accounts using my private info without authorization or disclosure.

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

Two accounts continue to report on credit report that are incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX. They are not accurate, please see sent dispute letters.

Attempts to collect debt not owed

I do not know where this credit is being charged for. I have never received services from this company.

Improper use of your report

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. Called TransUnion and representative hung phone up on me.

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

I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.

Incorrect information on credit report

A lot of negative inaccurate debit that is over decade old and is not mine.