determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Making/receiving payments, sending money	Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. Same issue as Complaint ID XXXX This is unconscionable and outrageous.
Received a loan I didn't apply for	PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.
Cont'd attempts collect debt not owed	1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Incorrect information on your report	I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN # XXXX
Managing the loan or lease	I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?
Communication tactics	I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.
Credit reporting company's investigation	I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.
Attempts to collect debt not owed	XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.
Cont'd attempts collect debt not owed	Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
Incorrect information on your report	I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.
Can't contact lender	I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.
Cont'd attempts collect debt not owed	Collection of a debt in someone elses name and violations of FCRA.
Incorrect information on your report	I have asked for validation, this account does not belong to me.
Communication tactics	Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?
False statements or representation	Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. Message on website after entering routing number : The payment information provided is invalid. Please try again.
Incorrect information on your report	XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses
Improper use of your report	I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Using a debit or ATM card	This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. [ See attached letter for details. ]
Improper use of your report	On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.
Can't repay my loan	My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.
Loan servicing, payments, escrow account	I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. I believe this is an unfair treatment.
Managing an account	criminal stole debit card and pin #. took out around 4 to 5k from account. XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. The bank never contacted us of unusual charges on debit card. They are protecting their own money, and XXXX us. we have all proof of the debit card theft.
Cont'd attempts collect debt not owed	Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!
Dealing with your lender or servicer	I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?
Written notification about debt	I have disputed this account with no validation being received. Please help as this is unknown
Incorrect information on credit report	TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.
Unable to get credit report/credit score	I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. I would like Experian to fulfill their obligation to supply a free report.
Attempts to collect debt not owed	I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.
Incorrect information on credit report	I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!
Loan modification,collection,foreclosure	I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.
Disclosure verification of debt	I had a letter mailed out to Transworld asking for legal validation of the alleged debt, which I deny. I used the address provided on my credit report. The letter was returned as unbelievable
Identity theft / Fraud / Embezzlement	Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of {$1.00}, XXXX that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them {$600.00}. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine.
Incorrect information on credit report	I have XXXX chapter XXXX bankruptcy on my credit report that are over 7 years old and this credit bureau Equifax refused to remove it and it is only reporting on this credit bureau I fill this is against the law and I have rights.
Account opening, closing, or management	I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.
Incorrect information on credit report	I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.
Improper use of my credit report	Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed
Incorrect information on credit report	Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.
Incorrect information on your report	Collection agency reporting already paid medical accounts despite requests from both myself and the original creditor to remove
Cont'd attempts collect debt not owed	Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report.
Incorrect information on your report	I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;. XXXX XXXX XXXX - Wrong balance, I have paid it down.
Problem when making payments	I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Taking/threatening an illegal action	Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.
Incorrect information on credit report	I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.
Deposits and withdrawals	Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.
Using a debit or ATM card	the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!
Attempts to collect debt not owed	I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,
Other transaction problem	- XXXX XXXX 2017 I got a call from Paypal that my account is canceled and that I will have a lifetime ban. <P/>- I inquired as to what the reason is. Did I violate any terms of agreement or did I misunderstand any clause. And if I was why did n't I get an
Disclosure verification of debt	I have repeatedly requested that American Capital Enterprises 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	XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.
Managing the loan or lease	Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results.
Incorrect information on your report	XXXX Transunion and XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. No option is provided on either of the sites to remove this personal protected and privileged health information.
Application, originator, mortgage broker	We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report!
Improper use of your report	This is one of many complaints you will receive about Equifax 's security breach. I was not alerted in any fashion and only found out through word of mouth that my social security number, full address, date of birth, and possibly drivers license are compromised. Since Equifax offers a way to unfreeze credit using this information, it is impossible for me to guarantee illicit use of my information even if I employ a credit freeze.
Cont'd attempts collect debt not owed	Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
Written notification about debt	i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me
Cont'd attempts collect debt not owed	BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.
False statements or representation	re-aging a debt so it remains in my credit file
Communication tactics	I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again. It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.
Billing disputes	There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.
Disclosure verification of debt	I have repeatedly requested that Grant & Weber 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.
Unable to get credit report/credit score	Transunion is denying that they have a credit report for me, and/or refusing to provide me with a free copy of which I am entitled to per the Fair Credit Reporting Act.
Incorrect information on your report	XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX
Incorrect information on credit report	my bankruptcy was closed and filed XXXX and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Struggling to pay your loan	I have an installment loan with Navy Federal Credit Union since around XXXX. I got behind on my loan at the end of XXXX and been making on time payments. Navy Federal Credit Union just recently turn my accounts over to a collection agency. I call them repeatedly to find out a solution and they statement a collection agency will be the best solution.
Improper use of your report	I have contacted Nissan in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the XXXX credit bureau about information that should have been removed to update my credit report
Unable to get credit report/credit score	I have filed lawsuits against XXXX and Equifax. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.
Incorrect information on your report	Wells Fargo is reporting a recent late payment when we were not late. We made the payment over the phone before the due date, got confirmation of the payment as well. They are the ones who made the mistake and they have promised me it would be fixed and they have not fixed it yet.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Dealing with my lender or servicer	School: XXXX, XXXX AZ My student loan was apparently transferred from XXXX to XXXX. I have asked UAS for copies of the signed promissory notes for the XXXX loans held by XXXX. If my loans are owned by XXXX and are being serviced by UAS then they should have the original loan information. They should not be allowed to threaten to report a delinquency to the credit reporting agencies if they cannot provide me with this information.
Incorrect information on credit report	Equifax is listing a paid account which has been paid and is affecting my credit. Equifax is the only bureau that lists this as such.
Improper use of your report	On X/X/2017, I submitted an inquiry to see if had been impacted by Equifax 's breach. They then tried to have me enroll in XXXX which would have prevented me from seeking any legal remedies in the future for information that THEY lost!!!! CORRUPT and disgusting!
Incorrect information on credit report	Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.
Loan servicing, payments, escrow account	On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.
Cont'd attempts collect debt not owed	On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.
Improper contact or sharing of info	Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.
Attempts to collect debt not owed	I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Incorrect information on your report	XXXX XXXX XXXX is reporting a negative account on my report. After two attempts, Capital One was unable to provide me with my signature and prove that account belongs to me.
Incorrect information on your report	The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously. 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
Problems when you are unable to pay	The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. Since I told them not to call me at work, they have called me close to ten times after. What are my rights? Thank you, XXXX XXXX XXXXXXXXXXXX
Communication tactics	I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.
Incorrect information on credit report	I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.
Problem with a credit reporting company's investigation into an existing problem	I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Unable to get credit report/credit score	I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.
Improper use of your report	These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.
Loan modification,collection,foreclosure	Shellpoint Mortgage Servicing is attempting to illegally foreclose on my home.
Billing disputes	Follow up to Bank of America case of XXXX case.
Unable to get credit report/credit score	I have numerous times tried to access my Transunion and XXXX reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.
Application, originator, mortgage broker	Online Third Federal Savings & Loan qualified me to submit a pre-approved mortgage loan with my low credit score under XXXX. I completed to online application and was contacted by their loan officer on XX/XX/XXXX for me to submit via fax a benefit of income verification letter from social security XXXX. On the same day I received in the mail a Statement of Credit Denial, Termination, of Change letter because my credit does not meet Product Guidelines.
Incorrect information on your report	Experian has a dismissed bankruptcy on my credit report and I would like to have that information validate, along with providing me proof that 's my debt. And if that is n't possible, have that and ALL other accounts attached to the bankruptcy remove from my credit report.
Unable to get credit report/credit score	Have been working with you and Equifax many months. Several items have finally been removed. I have requested several times a corrected, updated copy of my credit report and score but still have not received it. SEND MY CORRECTED/UPDATED COPY OF CREDIT REPORT WITH SCORE
Taking/threatening an illegal action	A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.
Improper contact or sharing of info	company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.
Account opening, closing, or management	I tried to apply online for a checking account and it says on the letter that I received that I was on XXXX as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..
Credit reporting company's investigation	the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Managing the loan or lease	applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. Thank you.
Attempts to collect debt not owed	I disputed this over the past several year even before the transferred it over to collections and still not taking it off my credit report someone stole all my information and open numerous amount of accounts in my name over the phone and internet I explained this to them
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Managing the loan or lease	Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.
Incorrect information on credit report	They are reporting old address on my credit file that were never mine.

Making/receiving payments, sending money

Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. Same issue as Complaint ID XXXX This is unconscionable and outrageous.

Received a loan I didn't apply for

PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.

Cont'd attempts collect debt not owed

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me

Incorrect information on your report

I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN # XXXX

Managing the loan or lease

I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?

Communication tactics

I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.

Credit reporting company's investigation

I obtained a copy of my credit report and when I attempted to dispute information in the file by way of their website, it was not able to be done. The site required me to mail in my dispute with a fee.

Attempts to collect debt not owed

XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.

Cont'd attempts collect debt not owed

Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.

Incorrect information on your report

I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.

Can't contact lender

I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.

Cont'd attempts collect debt not owed

Collection of a debt in someone elses name and violations of FCRA.

Incorrect information on your report

I have asked for validation, this account does not belong to me.

Communication tactics

Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?

False statements or representation

Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. Message on website after entering routing number : The payment information provided is invalid. Please try again.

Incorrect information on your report

XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses

Improper use of your report

I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

Using a debit or ATM card

This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. [ See attached letter for details. ]

Improper use of your report

On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.

Can't repay my loan

My private student loan company, Sallie Mae, will not offer any alternative type of payment plan. My payments have gone up to {$760.00}. I contacted them several times but they offer no options. The only thing I am told is they offer a direct debit payment option. How is that any help if you ca n't make the payment to begin with? I do not want to default and want to pay something reasonable but they just wo n't budge.

Loan servicing, payments, escrow account

I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. I believe this is an unfair treatment.

Managing an account

criminal stole debit card and pin #. took out around 4 to 5k from account. XXXX XXXX XXXX says we took all the money our selves, and there was no criminal taking money out of our account. The bank never contacted us of unusual charges on debit card. They are protecting their own money, and XXXX us. we have all proof of the debit card theft.

Cont'd attempts collect debt not owed

Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!

Dealing with your lender or servicer

I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?

Written notification about debt

I have disputed this account with no validation being received. Please help as this is unknown

Incorrect information on credit report

TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.

Unable to get credit report/credit score

I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. I would like Experian to fulfill their obligation to supply a free report.

Attempts to collect debt not owed

I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.

Incorrect information on credit report

I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!

Loan modification,collection,foreclosure

I received a letter as well as did consumer protection bureau that stated the following. Wells Fargo Bank has requested that any appearance of foreclosure has been advised to all credit bureaus as to not appear on their reporting. They say any negative results are the fault of the credit reporting companies. How they are overruling the Wells Fargo Bank is beyond me.

Disclosure verification of debt

I had a letter mailed out to Transworld asking for legal validation of the alleged debt, which I deny. I used the address provided on my credit report. The letter was returned as unbelievable

Identity theft / Fraud / Embezzlement

Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of {$1.00}, XXXX that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them {$600.00}. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine.

Incorrect information on credit report

I have XXXX chapter XXXX bankruptcy on my credit report that are over 7 years old and this credit bureau Equifax refused to remove it and it is only reporting on this credit bureau I fill this is against the law and I have rights.

Account opening, closing, or management

I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.

Incorrect information on credit report

I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.

Improper use of my credit report

Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.

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

XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed

Incorrect information on credit report

Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

Incorrect information on your report

Collection agency reporting already paid medical accounts despite requests from both myself and the original creditor to remove

Cont'd attempts collect debt not owed

Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report.

Incorrect information on your report

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;. XXXX XXXX XXXX - Wrong balance, I have paid it down.

Problem when making payments

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Taking/threatening an illegal action

Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.

Incorrect information on credit report

I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.

Deposits and withdrawals

Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.

Using a debit or ATM card

the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!

Attempts to collect debt not owed

I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,