determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Unable to get credit report/credit score	I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.
Late fee	I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.
Improper contact or sharing of info	Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.
Attempts to collect debt not owed	The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. Thank you.
Advertising and marketing, including promotional offers	Capital One is a crooked company that I had the misfortune of doing business with in the past. Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. Please put them out of business!!!
Communication tactics	XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.
Incorrect information on your report	There is a XXXX XXXX XXXX account # XXXX reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file
Balance transfer	i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.
Unable to get credit report/credit score	Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person
Unable to get your credit report or credit score	I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.
Incorrect information on your report	I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.
Cont'd attempts collect debt not owed	Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.
Transaction issue	I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.
Incorrect information on your report	i disputed the charges and still no actions yet
Cont'd attempts collect debt not owed	I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
Trouble during payment process	our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage
Cont'd attempts collect debt not owed	I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
Credit reporting company's investigation	Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Trouble using your card	Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! XXXX XXXX
Account opening, closing, or management	I have been a Citibank gold customer for 40 yrs . They always included my mortgage toward they required balance needed for gold XXXX status. Recently they changed that policy and now I'm being charged for for my checking accts and any little thing I need done. I don't think is fair.
Problems caused by my funds being low	i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account
Incorrect information on credit report	I have XXXX inquiries that are not mine due to identity theft
Incorrect information on your report	ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time
Struggling to repay your loan	I received a notification today that a collection was added to my credit report in the amount of {$24000.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Incorrect information on credit report	I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.
Loan modification,collection,foreclosure	On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.
Disclosure verification of debt	I have not received any letters attempting collection of these debts. I have moved on several occasions.
Incorrect information on credit report	after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed
Dealing with my lender or servicer	I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.
Incorrect information on your report	I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.
Late fee	I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.
Improper use of your report	I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017. Never heard of this company! Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Problem caused by your funds being low	onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.
Incorrect information on your report	There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Billing statement	I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.
Cont'd attempts collect debt not owed	Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.
Cont'd attempts collect debt not owed	All I know is this is on my credit
Unsolicited issuance of credit card	Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.
Attempts to collect debt not owed	XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
Incorrect information on credit report	I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.
Incorrect information on your report	XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Incorrect information on credit report	My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this?
False statements or representation	This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.
Problem with a purchase shown on your statement	On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.
Cont'd attempts collect debt not owed	I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money
Unable to get credit report/credit score	The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.
Incorrect information on credit report	i paid them on time. When ask them for prove of me being late they could not give me documents to prove it.
Received a loan I didn't apply for	a collection agency keeps calling and telling me that I got a loan that I never got they keep calling me from the numbers XXXX and XXXX
Communication tactics	I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.
Incorrect information on credit report	i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. thank you
Problem with a credit reporting company's investigation into an existing problem	I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
Disclosure verification of debt	I have repeatedly requested that PORTFOLIO RECOVERY ASSOCIATES provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Cont'd attempts collect debt not owed	I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Communication tactics	In the process of bankruptcy and have told this debt collector to stop contacting me but they call every single day. I told them to contact my lawyer and they STILL call me every single day.
False statements or representation	CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.
Cont'd attempts collect debt not owed	My credit report is showing that a loan I had with CitiMortgage is " Acct in Dispute. '' This account is closed and has been paid off. it is not in dispute. This inaccurate reporting has halted my ability to compete a loan for a new home ...
Incorrect information on credit report	Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. XXXX acct # XXXX XXXX acct # XXXX
False statements or representation	Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.
Incorrect information on your report	My name is incorrect. There is an added name that is n't mine.
Trouble using your card	I opened a secured credit card with XXXX in 2015 with limit of {$200.00} dollars. The credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score.
Unauthorized transactions/trans. issues	Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method
Written notification about debt	DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.
Deposits and withdrawals	XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.
Incorrect information on credit report	I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized checking and savings account with XXXX. The checking account do n't belong to me. I have never opened a checking or savings account with XXXX.
Closing/Cancelling account	there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove this
Attempts to collect debt not owed	Sent a certified letter dated XXXX / XXXX / 17 requesting the company complete the items requested in the letter to Validate the disputed amount owed. They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.
Disclosure verification of debt	Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?
Incorrect information on credit report	I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.
Problem with fraud alerts or security freezes	We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.
Credit monitoring or identity theft protection services	Experian-XX/XX/2017-After agreeing to {$1.00} charge for report and cancellation within 7 days called over 1 dozen times to cancel subscription. Phone is put in a " were sorry '' loop and never answered. They continue billing me and my Bank says they can not stop {$21.00} charge.
Cont'd attempts collect debt not owed	Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.
Attempts to collect debt not owed	unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.
Incorrect information on your report	I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Problems when you are unable to pay	Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.
Problem with a purchase shown on your statement	this month of XXXX 2017 i ha ve several small charges and a refund f rom Amazon. the bank and coustomer service deny the going ons ... i belive it to be a 3rd party. XXXX my bank is filing for fraud . XXXX XXXX 2017. XXXX
Unable to get credit report/credit score	Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.
False statements or representation	I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?
Communication tactics	Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.
Disclosure verification of debt	I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,
Billing disputes	The company denied my dispute of XXXX XXXX charge which I did not subscribed. In addition, I can not retrieved the statement of last year.
Communication tactics	Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.
Credit reporting company's investigation	I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of my report.
Loan servicing, payments, escrow account	I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government.
Improper use of your report	Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.
Attempts to collect debt not owed	I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them
Incorrect information on credit report	State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway
Incorrect information on your report	I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.
Managing the loan or lease	Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.
Improper use of your report	Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.
Incorrect information on credit report	I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain
Dealing with my lender or servicer	I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.
Incorrect information on credit report	Experian is still listing an account that is past the 7 year reporting period. XXXX, account number XXXX. This was scheduled to be on record until XX/XX/2017.
Dealing with my lender or servicer	Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.
Lender repossessed or sold the vehicle	I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.
Improper contact or sharing of info	On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.
Communication tactics	XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING
Improper contact or sharing of info	ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone
Communication tactics	XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
Problems when you are unable to pay	Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.

Unable to get credit report/credit score

I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.

Late fee

I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.

Improper contact or sharing of info

Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.

Attempts to collect debt not owed

The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. Thank you.

Advertising and marketing, including promotional offers

Capital One is a crooked company that I had the misfortune of doing business with in the past. Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. Please put them out of business!!!

Communication tactics

XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.

Incorrect information on your report

There is a XXXX XXXX XXXX account # XXXX reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file

Balance transfer

i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.

Unable to get credit report/credit score

Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person

Unable to get your credit report or credit score

I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.

Incorrect information on your report

I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.

Cont'd attempts collect debt not owed

Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.

Transaction issue

I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.

Incorrect information on your report

i disputed the charges and still no actions yet

Cont'd attempts collect debt not owed

I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.

Trouble during payment process

our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage

Cont'd attempts collect debt not owed

I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.

Credit reporting company's investigation

Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Trouble using your card

Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! XXXX XXXX

Account opening, closing, or management

I have been a Citibank gold customer for 40 yrs . They always included my mortgage toward they required balance needed for gold XXXX status. Recently they changed that policy and now I'm being charged for for my checking accts and any little thing I need done. I don't think is fair.

Problems caused by my funds being low

i went in to locate 53rd bank XXXX XXXX XXXX XXXX XXXX, OH XXXX wanting a explanation on why in being charge overdraft fee, they no explanation on what chagers cause the overdraft and why i being charged {$74.00} in fees when the fee should be {$37.00}, spoke with branch manger and she talked on me like i dont keep any record on my account, ask to close my account and was told i could not close my account

Incorrect information on credit report

I have XXXX inquiries that are not mine due to identity theft

Incorrect information on your report

ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time

Struggling to repay your loan

I received a notification today that a collection was added to my credit report in the amount of {$24000.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Incorrect information on credit report

I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.

Loan modification,collection,foreclosure

On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.

Disclosure verification of debt

I have not received any letters attempting collection of these debts. I have moved on several occasions.

Incorrect information on credit report

after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed

Dealing with my lender or servicer

I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.

Incorrect information on your report

I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Late fee

I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.

Improper use of your report

I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017. Never heard of this company! Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Problem caused by your funds being low

onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.

Incorrect information on your report

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Billing statement

I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.

Cont'd attempts collect debt not owed

Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.

Cont'd attempts collect debt not owed

All I know is this is on my credit

Unsolicited issuance of credit card

Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.

Attempts to collect debt not owed

XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Incorrect information on credit report

I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Incorrect information on your report

XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.

Incorrect information on credit report

My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this?

False statements or representation

This lvnv debt was not from XXXX but from XXXX. They just keep updating it. It is no longer collectable in Oregon after 7 years so they change the original date to make it look recent.

Problem with a purchase shown on your statement

On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.

Cont'd attempts collect debt not owed

I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money

Unable to get credit report/credit score

The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.

Incorrect information on credit report

i paid them on time. When ask them for prove of me being late they could not give me documents to prove it.

Received a loan I didn't apply for

a collection agency keeps calling and telling me that I got a loan that I never got they keep calling me from the numbers XXXX and XXXX

Communication tactics

I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.

Incorrect information on credit report

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. thank you

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

I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

Disclosure verification of debt

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

Cont'd attempts collect debt not owed

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Communication tactics

In the process of bankruptcy and have told this debt collector to stop contacting me but they call every single day. I told them to contact my lawyer and they STILL call me every single day.

False statements or representation

CIR law offices sued me for a debt incurred by someone who used my credit card. We reached a settlement agreement after I hired an attorney. CIR Law Offices has listed their address as a place where I formerly resided on my credit report. This issue comes up repeatedly and I view it as a form of harassment.

Cont'd attempts collect debt not owed

My credit report is showing that a loan I had with CitiMortgage is " Acct in Dispute. '' This account is closed and has been paid off. it is not in dispute. This inaccurate reporting has halted my ability to compete a loan for a new home ...

Incorrect information on credit report

Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. XXXX acct # XXXX XXXX acct # XXXX

False statements or representation

Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.

Incorrect information on your report

My name is incorrect. There is an added name that is n't mine.

Trouble using your card

I opened a secured credit card with XXXX in 2015 with limit of {$200.00} dollars. The credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score.

Unauthorized transactions/trans. issues

Rushcard has ignored my dispute that I made directly with them. A merchant had somehow debited my rushcard account using the ACH method

Written notification about debt

DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.

Deposits and withdrawals

XXXX XXXX/XXXX/2016 I deposited my Federal Income tax check into my checking account via ATM at approximately XXXX XXXX. The amount of the check was {$5200.00}. The bank put a hold on {$5100.00}. They told me that money would be available XXXX/XXXX/2016.

Incorrect information on credit report

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized checking and savings account with XXXX. The checking account do n't belong to me. I have never opened a checking or savings account with XXXX.

Closing/Cancelling account

there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove this

Attempts to collect debt not owed

Sent a certified letter dated XXXX / XXXX / 17 requesting the company complete the items requested in the letter to Validate the disputed amount owed. They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed them.

Disclosure verification of debt

Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?

Incorrect information on credit report

I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.

Problem with fraud alerts or security freezes

We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.

Credit monitoring or identity theft protection services

Experian-XX/XX/2017-After agreeing to {$1.00} charge for report and cancellation within 7 days called over 1 dozen times to cancel subscription. Phone is put in a " were sorry '' loop and never answered. They continue billing me and my Bank says they can not stop {$21.00} charge.

Cont'd attempts collect debt not owed

Their was a XXXX account opened in my name several years ago, this was a result of identity theft. I supplied XXXX the identity theft proof several years ago. This debt was apparently sold by XXXX to Jefferson Capital Systems who are now trying to collect on this debt that is not mine. They have placed a negative mark on my credit report which caused my credit to nosedive. Attached is a removal of it from my credit report in the past with the XXXX account.

Attempts to collect debt not owed

unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.

Incorrect information on your report

I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Problems when you are unable to pay

Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.

Problem with a purchase shown on your statement

this month of XXXX 2017 i ha ve several small charges and a refund f rom Amazon. the bank and coustomer service deny the going ons ... i belive it to be a 3rd party. XXXX my bank is filing for fraud . XXXX XXXX 2017. XXXX

Unable to get credit report/credit score

Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.

False statements or representation

I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?

Communication tactics

Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.

Disclosure verification of debt

I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,

Billing disputes

The company denied my dispute of XXXX XXXX charge which I did not subscribed. In addition, I can not retrieved the statement of last year.

Communication tactics

Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.

Credit reporting company's investigation

I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of my report.

Loan servicing, payments, escrow account

I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government.

Improper use of your report

Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.

Attempts to collect debt not owed

I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them

Incorrect information on credit report

State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway

Incorrect information on your report

I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.

Managing the loan or lease

Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.

Improper use of your report

Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.

Incorrect information on credit report

I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain

Dealing with my lender or servicer

I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.

Incorrect information on credit report

Experian is still listing an account that is past the 7 year reporting period. XXXX, account number XXXX. This was scheduled to be on record until XX/XX/2017.

Dealing with my lender or servicer

Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment.

Lender repossessed or sold the vehicle

I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.

Improper contact or sharing of info

On first contact, I informed representative I could not have these calls at work. He continues to call on a regular basis.

Communication tactics

XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING

Improper contact or sharing of info

ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone

Communication tactics

XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.

Problems when you are unable to pay

Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.