determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Shopping for a loan or lease	THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE
Problems when you are unable to pay	My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!
Incorrect information on credit report	I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX
Was approved for a loan, but didn't receive money	I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!
Loan modification,collection,foreclosure	We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should
Incorrect information on credit report	says i have home loans and credit cards out ... I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... I lost my job too due to my XXXX. Something has to be done.
Disclosure verification of debt	Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.
Loan modification,collection,foreclosure	Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.
Loan servicing, payments, escrow account	When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.
Taking/threatening an illegal action	Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.
Incorrect information on credit report	Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # XXXX
Incorrect information on credit report	on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.
Improper use of my credit report	I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!
False statements or representation	I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.
Loan modification,collection,foreclosure	I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.
Problem with a credit reporting company's investigation into an existing problem	Credit reporting agency did not delete XXXX charge off accounts after I was mailed a XXXX and disputed accounts. Accounts are written off and should not be reporting.
Other	Awaiting final response on XXXX disputed fraudulent claims from previous contact with consumer financial protection bureau. See attached.
Cont'd attempts collect debt not owed	false information, this collection it 's not mine
Struggling to repay your loan	My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.
Customer service / Customer relations	i have hired the services of XXXX to help me with the credit car situation. the creditors call me non stopmthe worst ones citibank and XXXX. i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Disclosure verification of debt	I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.
Incorrect information on your report	I submitted a previous complaint on Transunion and they responded and it was closed. According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report. The account being transfer from XXXX XXXX XXXX to XXXX.
False statements or representation	Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.
Deposits and withdrawals	M and T Bank checking account frozen under no goverment agency orders but accepting deposits not withdrawls.
Disclosure verification of debt	Requested validation and verification nothing received
Unable to get credit report/credit score	For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.
Incorrect information on credit report	XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX
Problems when you are unable to pay	Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.
Incorrect information on credit report	Someone has a home loan in my name and some credit as well
Getting a credit card	I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.
Incorrect information on credit report	This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.
Incorrect information on credit report	The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX.
Dealing with your lender or servicer	Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!
Improper contact or sharing of info	I 'm unaware of this debt. I 'm XXXX and homeless. Thank you.
Credit monitoring or identity protection	I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. Sincerely, XXXX XXXX
Incorrect information on credit report	I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?
Disclosure verification of debt	There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 2009.
Incorrect information on your report	cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine
Unsolicited issuance of credit card	Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.
Disclosure verification of debt	I have repeatedly requested that Portfolio Recovery Assoc 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.
Attempts to collect debt not owed	Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.
Cont'd attempts collect debt not owed	The collection agency is trying to collect the debt I did not own despite my dispute to the debt.
Improper contact or sharing of info	receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.
Loan servicing, payments, escrow account	I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.
False statements or representation	Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.
Incorrect information on credit report	Accounts result of previous fraud dated back XX/XX/XXXX disputed numerous times from XXXX XXXX {$4500.00} and Judgment XXXX {$4500.00} from XXXX # XXXX are results of Neglect on Both parties to follow up on Disputes back from XX/XX/XXXX thru XX/XX/XXXX
Managing the loan or lease	Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost. Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.
Disclosure verification of debt	I never received a written notice to pay said amount. It just showed up on my credit report.
Attempts to collect debt not owed	AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX
Loan servicing, payments, escrow account	Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.
Disclosure verification of debt	I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.
Incorrect information on credit report	Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . Please remove them from my credit report. Thank you!
Problem with a credit reporting company's investigation into an existing problem	Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.
Closing/Cancelling account	While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. The CFPB should penalize Citibank for unethical business practices.
Loan modification,collection,foreclosure	Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.
Incorrect information on credit report	I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.
Incorrect information on your report	This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Improper use of your report	According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.
Written notification about debt	I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.
Cont'd attempts collect debt not owed	This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.
Attempts to collect debt not owed	debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.
Incorrect information on credit report	I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.
Written notification about debt	Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.
Cont'd attempts collect debt not owed	The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX
Improper use of your report	Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.
Incorrect information on your report	Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance
Improper use of your report	PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.
Problem with a company's investigation into an existing issue	I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.
Communication tactics	PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.
Communication tactics	I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.
Written notification about debt	Ditech Financial LLC Was asked to provide the ORIGINAL signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.
False statements or representation	Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.
Cont'd attempts collect debt not owed	This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.
Disclosure verification of debt	I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.
Incorrect information on your report	XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.
Cont'd attempts collect debt not owed	I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.
Unable to get credit report/credit score	I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?
Incorrect information on credit report	customer service refuses to help me with the negative inquiries
Incorrect information on credit report	THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX.
Credit decision / Underwriting	Please see case number XXXX
Credit reporting company's investigation	Equifax has been good about real investigation and having items removed. The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! Kind Regards, XXXX XXXX
Account opening, closing, or management	Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.
Attempts to collect debt not owed	They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.
False statements or representation	Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB 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
Struggling to pay mortgage	Relocated from XXXX XXXX Florida to XXXX Florida due to being unemployed. I found a job on XXXX XXXX . I leased my home in XXXX XXXX Florida to try to off set some on my bill. I request a RMA with Carrington mortage company and was denied. They stated that I must live in the home now. I want to keep my home as I will be returning XXXX 2018.
Late fee	I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.
Managing an account	HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.
Took or threatened to take negative or legal action	I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.
Problems when you are unable to pay	The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.
Incorrect information on your report	This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt
Improper use of your report	I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.
Cont'd attempts collect debt not owed	I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Incorrect information on credit report	personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.
Account opening, closing, or management	XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have
Cont'd attempts collect debt not owed	For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.
Incorrect information on your report	XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files
Problem with a credit reporting company's investigation into an existing problem	XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.
False statements or representation	I had a agent call me from XXXX XXXX XXXX to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.

Shopping for a loan or lease

THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE

Problems when you are unable to pay

My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!

Incorrect information on credit report

I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

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

I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!

Loan modification,collection,foreclosure

We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should

Incorrect information on credit report

says i have home loans and credit cards out ... I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... I lost my job too due to my XXXX. Something has to be done.

Disclosure verification of debt

Ad Astra Recovery Services in XXXX Kansas.. I Called two times to settle the debt, continuously ask for a credit card payment right than without sending a confirmation letter of the amount the debt was settling for. I believe I do have a right to receive a letter confirming the amount and that the debt would be considered paid on my credit report. The last letter I received from them was XX/XX/2013.

Loan modification,collection,foreclosure

Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.

Loan servicing, payments, escrow account

When using the Carrington Mortgage website to pay your mortgage payments, I pay the amount that 's showing as due. Then the following month, they send you a notice advising that you owed a late fee that should have also been paid.

Taking/threatening an illegal action

Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.

Incorrect information on credit report

Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # XXXX

Incorrect information on credit report

on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.

Improper use of my credit report

I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!

False statements or representation

I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.

Loan modification,collection,foreclosure

I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.

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

Credit reporting agency did not delete XXXX charge off accounts after I was mailed a XXXX and disputed accounts. Accounts are written off and should not be reporting.

Other

Awaiting final response on XXXX disputed fraudulent claims from previous contact with consumer financial protection bureau. See attached.

Cont'd attempts collect debt not owed

false information, this collection it 's not mine

Struggling to repay your loan

My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.

Customer service / Customer relations

i have hired the services of XXXX to help me with the credit car situation. the creditors call me non stopmthe worst ones citibank and XXXX. i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Disclosure verification of debt

I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.

Incorrect information on your report

I submitted a previous complaint on Transunion and they responded and it was closed. According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

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

XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report. The account being transfer from XXXX XXXX XXXX to XXXX.

False statements or representation

Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.

Deposits and withdrawals

M and T Bank checking account frozen under no goverment agency orders but accepting deposits not withdrawls.

Disclosure verification of debt

Requested validation and verification nothing received

Unable to get credit report/credit score

For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.

Incorrect information on credit report

XXXX my addresses is incorrect I do not or never did live in XXXX XXXX New Jersey and the second XXXX is my employment is XXXX I am a XXXX and I work for XXXX

Problems when you are unable to pay

Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.

Incorrect information on credit report

Someone has a home loan in my name and some credit as well

Getting a credit card

I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.

Incorrect information on credit report

This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XX/XX/XXXX and the house sale date was XX/XX/XXXX.

Incorrect information on credit report

The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX.

Dealing with your lender or servicer

Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!

Improper contact or sharing of info

I 'm unaware of this debt. I 'm XXXX and homeless. Thank you.

Credit monitoring or identity protection

I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. Sincerely, XXXX XXXX

Incorrect information on credit report

I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?

Disclosure verification of debt

There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 2009.

Incorrect information on your report

cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine

Unsolicited issuance of credit card

Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.

Disclosure verification of debt

I have repeatedly requested that Portfolio Recovery Assoc 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.

Attempts to collect debt not owed

Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

Cont'd attempts collect debt not owed

The collection agency is trying to collect the debt I did not own despite my dispute to the debt.

Improper contact or sharing of info

receivables performance management has been calling my personal phone nonstop asking me to verify personal information but when asked what its in regards to they hang up. now they are calling my place of employment, i dont know if they are even calling for me because any time i ask them a question they hang up.

Loan servicing, payments, escrow account

I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.

False statements or representation

Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.

Incorrect information on credit report

Accounts result of previous fraud dated back XX/XX/XXXX disputed numerous times from XXXX XXXX {$4500.00} and Judgment XXXX {$4500.00} from XXXX # XXXX are results of Neglect on Both parties to follow up on Disputes back from XX/XX/XXXX thru XX/XX/XXXX

Managing the loan or lease

Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost. Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.

Disclosure verification of debt

I never received a written notice to pay said amount. It just showed up on my credit report.

Attempts to collect debt not owed

AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX

Loan servicing, payments, escrow account

Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.

Disclosure verification of debt

I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.

Incorrect information on credit report

Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . Please remove them from my credit report. Thank you!

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

Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.

Closing/Cancelling account

While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. The CFPB should penalize Citibank for unethical business practices.

Loan modification,collection,foreclosure

Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.

Incorrect information on credit report

I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.

Incorrect information on your report

This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Improper use of your report

According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.

Written notification about debt

I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.

Cont'd attempts collect debt not owed

This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.

Attempts to collect debt not owed

debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.

Incorrect information on credit report

I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.

Written notification about debt

Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.

Cont'd attempts collect debt not owed

The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX

Improper use of your report

Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.

Incorrect information on your report

Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance

Improper use of your report

PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.

Problem with a company's investigation into an existing issue

I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.

Communication tactics

PRA has failed to notify the credit reporting agencies of multiple disputes that I have filed with them, in addition to other violations of FCRA. Though I have filed disputes with Portfolio Recovery Associates directly and also via XXXX, they have failed to notify the credit reporting agencies of my dispute in violation of FCRA 623 ( a ) ( 3 ) but have continued to pull my credit monthly and report updates monthly.

Communication tactics

I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.

Written notification about debt

Ditech Financial LLC Was asked to provide the ORIGINAL signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.

False statements or representation

Credit Limit was {$400.00} and the amount they are trying to collect is XXXX.

Cont'd attempts collect debt not owed

This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.

Disclosure verification of debt

I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.

Incorrect information on your report

XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

Cont'd attempts collect debt not owed

I received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.

Unable to get credit report/credit score

I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?

Incorrect information on credit report

customer service refuses to help me with the negative inquiries

Incorrect information on credit report

THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX.

Credit decision / Underwriting

Please see case number XXXX

Credit reporting company's investigation

Equifax has been good about real investigation and having items removed. The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! Kind Regards, XXXX XXXX

Account opening, closing, or management

Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.

Attempts to collect debt not owed

They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.

False statements or representation

Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB 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

Struggling to pay mortgage

Relocated from XXXX XXXX Florida to XXXX Florida due to being unemployed. I found a job on XXXX XXXX . I leased my home in XXXX XXXX Florida to try to off set some on my bill. I request a RMA with Carrington mortage company and was denied. They stated that I must live in the home now. I want to keep my home as I will be returning XXXX 2018.

Late fee

I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.

Managing an account

HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.

Took or threatened to take negative or legal action

I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.

Problems when you are unable to pay

The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.

Incorrect information on your report

This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt

Improper use of your report

I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.

Cont'd attempts collect debt not owed

I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Incorrect information on credit report

personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.

Account opening, closing, or management

XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have

Cont'd attempts collect debt not owed

For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.

Incorrect information on your report

XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files

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

XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.

False statements or representation

I had a agent call me from XXXX XXXX XXXX to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.