determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper contact or sharing of info	Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.
Credit monitoring or identity theft protection services	They did not devote enough resources to protect my personal information they were entrusted with, see link below. https : XXXX I checked the link on their website and they verified my information had been stolen.
Problem with a lender or other company charging your account	Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of " XXXX XXXX '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it. {$540.00} on XXXX / XXXX / 17
Problems caused by my funds being low	I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
Settlement process and costs	I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.
Cont'd attempts collect debt not owed	Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.
Incorrect information on credit report	In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
Closing an account	I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to XXXX XXXX I should not ber liable for this account
Can't repay my loan	Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help
Managing the loan or lease	I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.
Improper use of my credit report	I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.
Incorrect information on your report	I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT
Incorrect information on your report	XXXX XXXX debt and mortgage showing on my XXXX all XXXX matter fact i 've never bought a mortgage and XXXX
Can't repay my loan	I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. Furthermore, I am in graduate school. I am publishing this information to the Consumer Financial Protection Bureau for others to see.
Incorrect information on your report	XXXX XXXX XXXX client XXXX XXXX is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank, certified mail with return receipt X/XX/2017 which Barclay Bank did receive. A recent credit report X/XX/2017 still shows the Barclays inquiry listed with the credit bureau XXXX .
Incorrect information on your report	I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Took or threatened to take negative or legal action	XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job
Improper use of your report	Multiple car companies and credit cards
Balance transfer fee	I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.
Credit reporting company's investigation	I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Incorrect information on credit report	Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.
Account opening, closing, or management	Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.
Incorrect information on credit report	I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.
Managing the loan or lease	Paid collection through one company, and they sold it again to another company.
Written notification about debt	went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help
Delinquent account	Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt
Incorrect information on credit report	There is a negative mark against me that should have been taken off years ago!
Dealing with your lender or servicer	I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.
Unable to get credit report/credit score	Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.
Problem with a credit reporting company's investigation into an existing problem	My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.
Cont'd attempts collect debt not owed	Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. It 's passed seven years and they proceed to attempt to collect on it. In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. Thank you, XXXX XXXX XXXX
Improper contact or sharing of info	Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. You ask who they are and they get really rude and aggressive. After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.
Struggling to pay your loan	My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real XXXX
Problem with a credit reporting company's investigation into an existing problem	I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.
Attempts to collect debt not owed	I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.
Disclosure verification of debt	This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.
Communication tactics	I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.
Attempts to collect debt not owed	I have disputed the account with credit bureaus several times and debt always comes back as valid. I did not use this company 's services.
Problem with a credit reporting company's investigation into an existing problem	I initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
Credit monitoring or identity protection	XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. Thank you, XXXX XXXX XXXX
Incorrect information on credit report	I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. Please help me put a stop to what is being reported. XXXX XXXX
Adding money	rushcard did not load direct deposit its veen a week
Disclosure verification of debt	I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them
Other service problem	I use an app called XXXX XXXX it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing me.
Communication tactics	Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!
Incorrect information on credit report	I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. Thanks - XXXX XXXX
Improper use of my credit report	this not my account
Incorrect information on credit report	XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit
Written notification about debt	I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.
Incorrect information on your report	Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Dealing with my lender or servicer	Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.
Loan servicing, payments, escrow account	Nationstar has sent statements dated with variances that range between XXXX weeks so customers do not receive them in a timely manner and sometimes very close to the actual due date. Multiple times when I have called I have simply been hung-up on, this is almost half of the time I call. It happened XXXX today alone when I called to inquire about my escrow check since I refinanced - in part because this mortgage company is the worst.
Incorrect information on your report	OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Incorrect information on credit report	I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.
Closing on a mortgage	We refinanced our home, signing the Closing Documents on or before XXXX XXXX, XXXX. The loan was funded on or about XXXX XXXX, XXXX. The old loan did n't pay off on or about XXXX XXXX. We had n't paid our XXXX XXXX payment so it was reported delinquent. We have recently been notified another payment was reported as delinquent in XXXX XXXX.
Improper use of your report	I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017. Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on credit report	I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my accounts.
Account opening, closing, or management	I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is XXXX.
Problems when you are unable to pay	This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.
Incorrect information on your report	XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Incorrect information on credit report	My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
Managing, opening, or closing account	Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.
Incorrect information on your report	Made payments on time but reporting late payment
Incorrect information on credit report	I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.
Cont'd attempts collect debt not owed	XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.
Application, originator, mortgage broker	I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.
Cont'd attempts collect debt not owed	I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did
Attempts to collect debt not owed	I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.
Cont'd attempts collect debt not owed	My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date.
Incorrect information on credit report	In 2008 I was victim of ID theft by someone who opened an account in my name and SS at the address located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which is not and have never been mine. After reporting to the police and credit agencies this was a fraud, the address still shows as my Former Address in the Equifax Credit Report, which is incorrect and I would like to have it removed.
Cont'd attempts collect debt not owed	I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
Closing an account	Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.
Incorrect information on credit report	DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.
Unable to get credit report/credit score	I have a problem getting my free annual report.
Problem with a purchase shown on your statement	I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.
Incorrect information on credit report	on XXXX I 've paid on time 100 % on the other they say am missing XXXX payment
Unable to get credit report/credit score	Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
False statements or representation	I negotiated renewing my contract with Vivint and they told me that this collection would be cleared up. The collection is still on my credit report and I am now stuck with a new contract and being told I owe double.
False statements or representation	XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
Attempts to collect debt not owed	Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011
Incorrect information on your report	There is an inquiry from XXXX XXXX in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Incorrect information on credit report	Looked at credit report states opened credit with synchrony bank in the amount of {$230.00} on XXXX XXXX. Upon viewing website never seen this website before this looks to be incorrect or false reported information please help in this matter
Took or threatened to take negative or legal action	I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. XXXX XXXX never sent me a debt verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Improper use of your report	On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX
Taking/threatening an illegal action	I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.
Loan servicing, payments, escrow account	They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.
Dealing with my lender or servicer	All of my student loans have been discharged so all " open '' or " closed '' balances should be XXXX
Loan servicing, payments, escrow account	Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )
Improper use of your report	In XXXX of 2016, there were XXXX credit inquiries to my credit report that I did not authorize. XXXX / XXXX /2016- XXXX XXXX XXXX / XXXX 2016- XXXX XXXX / XXXX /2016- XXXX XXXX XXXX XXXX /2016- XXXX
Can't repay my loan	Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.
Disclosure verification of debt	I sent certified communication to this company requesting the validation of the debt they state I owe them. I requested the legal signed agreement that represents this debt is associated to me and owed by me. The documentation I received were cellular phone statements with no activity. This is not valid documentation that shows this debt is associated with me.
Incorrect information on your report	The credit bureaus continue to report credit cards on my reports that do not belong to me. XXXX XXXX and XXXX XXXX XXXX.
Attempts to collect debt not owed	WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX
Credit reporting company's investigation	no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.
Fees or interest	Account XXXX XXXX XXXX I was hit with a late fee and interest charge on XXXX XXXX when I paid my bill just a few days late, due to difficulty with your website. Given my longstanding loyalty to Amex ( bo th business and personal ), I would greatly appreciate your assistance in waiving these fees.
Incorrect information on your report	I have contact Equifax in regards to inquires on my report that I did not authorized. When I disputed the inquires they stated that it was factual information and can not be disputed. I contact Equifax and advised them that the inquires that I disputed was not authorized by me and I needed them removed. They advised that I can not dispute inquires from my credit report. According to the FCRA anything that is inaccurate or fraudulent can be removed
Cont'd attempts collect debt not owed	Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.
Dealing with my lender or servicer	I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.
Communication tactics	Portfolio Recovery continues to call my cell phone several times a day from different long distance phone numbers each day including Sundays. I explain that I 'm not able to make any arrangements at this time and they continue to push me about payments until I get upset and have to hang up the phone on them.
Problem with a credit reporting company's investigation into an existing problem	I DO NOT HAVE A LOAN EVER WITH XXXX XXXX # XXXX THIS DOES NOT BELONG TO ME

Improper contact or sharing of info

Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.

Credit monitoring or identity theft protection services

They did not devote enough resources to protect my personal information they were entrusted with, see link below. https : XXXX I checked the link on their website and they verified my information had been stolen.

Problem with a lender or other company charging your account

Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of " XXXX XXXX '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it. {$540.00} on XXXX / XXXX / 17

Problems caused by my funds being low

I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

Settlement process and costs

I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.

Cont'd attempts collect debt not owed

Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.

Incorrect information on credit report

In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

Closing an account

I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to XXXX XXXX I should not ber liable for this account

Can't repay my loan

Put in a deferment and they say never got it. Have done it three times now and still say nothing but you owe and need to pay. Also was XXXX that 's why I could not Finnish out the semester. But still got charged for the whole thing. No one will help

Managing the loan or lease

I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.

Improper use of my credit report

I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.

Incorrect information on your report

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT

Incorrect information on your report

XXXX XXXX debt and mortgage showing on my XXXX all XXXX matter fact i 've never bought a mortgage and XXXX

Can't repay my loan

I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. Furthermore, I am in graduate school. I am publishing this information to the Consumer Financial Protection Bureau for others to see.

Incorrect information on your report

XXXX XXXX XXXX client XXXX XXXX is a victim of identity theft. Someone used his information to apply for several credit accounts without his consent. Among these are Barclays Bank credit card service. A formal dispute was mailed to Barclays Bank, certified mail with return receipt X/XX/2017 which Barclay Bank did receive. A recent credit report X/XX/2017 still shows the Barclays inquiry listed with the credit bureau XXXX .

Incorrect information on your report

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Took or threatened to take negative or legal action

XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job

Improper use of your report

Multiple car companies and credit cards

Balance transfer fee

I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.

Credit reporting company's investigation

I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Incorrect information on credit report

Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.

Account opening, closing, or management

Bank of America closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to.

Incorrect information on credit report

I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.

Managing the loan or lease

Paid collection through one company, and they sold it again to another company.

Written notification about debt

went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help

Delinquent account

Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt

Incorrect information on credit report

There is a negative mark against me that should have been taken off years ago!

Dealing with your lender or servicer

I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.

Unable to get credit report/credit score

Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.

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

My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.

Cont'd attempts collect debt not owed

Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. It 's passed seven years and they proceed to attempt to collect on it. In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. Thank you, XXXX XXXX XXXX

Improper contact or sharing of info

Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. You ask who they are and they get really rude and aggressive. After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.

Struggling to pay your loan

My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real XXXX

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

I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.

Attempts to collect debt not owed

I Disputed these Debts a few times with the companies but they still havent removed them from my credit report I sent a few letters in trying to get them taken off my credit report.

Disclosure verification of debt

This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.

Communication tactics

I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.

Attempts to collect debt not owed

I have disputed the account with credit bureaus several times and debt always comes back as valid. I did not use this company 's services.

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

I initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.

Credit monitoring or identity protection

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. Thank you, XXXX XXXX XXXX

Incorrect information on credit report

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. Please help me put a stop to what is being reported. XXXX XXXX

Adding money

rushcard did not load direct deposit its veen a week

Disclosure verification of debt

I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them