determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Getting a loan	We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.
Credit reporting company's investigation	I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.
False statements or representation	this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks
Credit reporting company's investigation	I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application for credit.
Cont'd attempts collect debt not owed	I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Advertising and marketing	how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?
Fees or interest	I have been charged interest on my 0 % APR card for the 3rd month in a row. I submitted a claim for the first two months : XXXX The issue has not been resolved.
Dealing with my lender or servicer	Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.
Billing statement	I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.
Improper use of my credit report	XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
Loan servicing, payments, escrow account	Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results
Taking/threatening an illegal action	They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
Cont'd attempts collect debt not owed	Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1
Written notification about debt	X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.
Incorrect information on your report	My ChexSystems report shows that an inquiry initiated by consumer action occured on XXXX / XXXX / XXXX by XXXX XXXX on behalf of XXXX XXXX Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.
Struggling to pay mortgage	There is a full deposition of the stamped fraudulent signature of XXXX XXXX entered into a court case No. XXXX In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void
Managing the loan or lease	Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.
Dealing with my lender or servicer	Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.
Incorrect information on your report	This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened
Attempts to collect debt not owed	XXXX-2015 {$150.00} no contact signed do no owe debt
Problems caused by my funds being low	I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.
Incorrect information on your report	I am writing to dispute XXXX XXXX # XXXX on cr edit report number XXXX The balance listed on the account is incorrect. Please delete the account.
Cont'd attempts collect debt not owed	I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me
Communication tactics	Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.
Incorrect information on your report	Today, XXXX / XXXX / 17 , I tried to get credit card from Home Depot, w hi ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score. My question is : why my credit score is low? I expected it to be a round XXXX .
Cont'd attempts collect debt not owed	I have no knowledge of this acct.
Trouble during payment process	New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.
Communication tactics	I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.
Attempts to collect debt not owed	I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Cont'd attempts collect debt not owed	Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
Unsolicited issuance of credit card	DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. PLEASE REMOVE
Improper contact or sharing of info	An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.
Improper contact or sharing of info	Company was not given authorization to share sensitive medical information to a 3rd party or outsider.
Incorrect information on credit report	I had an account with XXXX rental out was paid off but still coming up as a negative on my report.
Disclosure verification of debt	This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.
Deposits and withdrawals	My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer
Billing disputes	i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.
Cont'd attempts collect debt not owed	constant calling and threatingin
Cont'd attempts collect debt not owed	I was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...
Improper use of your report	TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit report.
Written notification about debt	I lost my job and was not able to pay
Incorrect information on credit report	NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!
False statements or representation	My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.
Cont'd attempts collect debt not owed	I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
Improper use of your report	There was a Equifax data breach on or about XXXX XXXX. I checked the Equifax official website on XXXX/XXXX/XXXX and was told I that there might have been identity theft.
Closing your account	I had Chase Credit Cards for 20 Years. Suddenly, TODAY, they closed All XXXX of my Chase Credit Cards without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very High Credit Lines, and always Paid on Time. Never carried Any Balance.
Problem with fraud alerts or security freezes	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done
Incorrect information on credit report	I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.
False statements or representation	Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.
Incorrect information on credit report	Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.
Dealing with my lender or servicer	Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.
Incorrect information on credit report	I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.
Loan servicing, payments, escrow account	1 ) Chase did not send me the actual signed modification agreement in the package. 2 ) Chase did not properly apply payments to any of my principal balance. 3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.
Cont'd attempts collect debt not owed	An account is listed under XXXX. I have attempted to dispute this debt, and no steps were taken on their end.
Problem adding money	I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.
Making/receiving payments, sending money	I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.
Incorrect information on credit report	I have outdated information on my credit report date from 2006 even accounts with the open date unknown numerous incorrect payment information as well.
Attempts to collect debt not owed	DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.
Problem with a credit reporting company's investigation into an existing problem	I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.
Credit reporting company's investigation	I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!
Incorrect information on credit report	I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Cont'd attempts collect debt not owed	+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. + Con
Incorrect information on your report	cra violation equifax breach cause me to destroy my credit file XXXX taking more than 90 days to fix it
Dealing with my lender or servicer	I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.
Improper use of your report	I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....
Attempts to collect debt not owed	NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.
Disclosure verification of debt	They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.
Incorrect information on credit report	My information and my XXXX brothers information is being included together because our social security numbers are a digit off
Improper use of your report	1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about. 2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
Cont'd attempts collect debt not owed	XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Attempts to collect debt not owed	This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Incorrect information on your report	XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Incorrect information on credit report	I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.
Incorrect information on credit report	I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.
False statements or representation	robo calling and asking for XXXX XXXX however keep me on hold then hang up. I have not business relations with XXXX XXXX
Incorrect information on credit report	There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.
Credit reporting company's investigation	I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.
Fees or interest	American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.
Incorrect information on credit report	This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
Incorrect information on credit report	please refer to case # XXXX for a brief history and enclosed documentation
Loan servicing, payments, escrow account	My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards.
Incorrect information on your report	XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
Credit decision / Underwriting	I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later
Incorrect information on credit report	Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.
Credit line increase/decrease	I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.
Incorrect information on your report	XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. " I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. Sincerely, XXXX XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.
Incorrect information on your report	XXXX XXXX account does not belong to me it belongs to my ex husband
Cont'd attempts collect debt not owed	They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.
Disclosure verification of debt	I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control
Improper use of your report	Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.
Improper use of your report	According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.
Incorrect information on credit report	A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.
Incorrect information on credit report	I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Struggling to pay mortgage	SPS has refused to modify my loan. They offered a repayment plan with a balloon payment in 13 months of XXXX.I filed a chapter XXXX and my debts were discharged, but that are making me pay the all of the back payments
Communication tactics	I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.
Incorrect information on credit report	Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Cont'd attempts collect debt not owed	i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. thank you for your time. with respect,
Disclosure verification of debt	I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.
Communication tactics	Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.

Getting a loan

We have a company sending a demand notice she said it is not a school loan we filed a chapter XXXX bankruptcy on XX/XX/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our XXXX house please help the name of the company is educational computer systems inc.

Credit reporting company's investigation

I disputed XXXX credit inquiries. While co-signing for a car for my son who is in the XXXX - I was under the impression that my credit would be pulled by the dealer that the car was being bought at ( XXXX XXXX in XXXX, NC ). Next thing I know - there are XXXX other inquiries on my report.

False statements or representation

this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks

Credit reporting company's investigation

I supplied a " statement of up to XXXX words '' some years ago regarding this debt. The credit reporting company has failed to report my explanation of this disputed debt to XXXX Bank, resulting in the denial of my application for credit.

Cont'd attempts collect debt not owed

I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Advertising and marketing

how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?

Fees or interest

I have been charged interest on my 0 % APR card for the 3rd month in a row. I submitted a claim for the first two months : XXXX The issue has not been resolved.

Dealing with my lender or servicer

Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.

Billing statement

I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.

Improper use of my credit report

XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

Loan servicing, payments, escrow account

Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results

Taking/threatening an illegal action

They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.

Cont'd attempts collect debt not owed

Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1

Written notification about debt

X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.

Incorrect information on your report

My ChexSystems report shows that an inquiry initiated by consumer action occured on XXXX / XXXX / XXXX by XXXX XXXX on behalf of XXXX XXXX Now. I made no such inquiry. No money was taken but my concern is the use of my social security number for others to obtain payday loans.

Struggling to pay mortgage

There is a full deposition of the stamped fraudulent signature of XXXX XXXX entered into a court case No. XXXX In the United states court of appeals for the fifth circuit which is also stamped on our note this by law makes the note void

Managing the loan or lease

Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.

Dealing with my lender or servicer

Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.

Incorrect information on your report

This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened

Attempts to collect debt not owed

XXXX-2015 {$150.00} no contact signed do no owe debt

Problems caused by my funds being low

I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.

Incorrect information on your report

I am writing to dispute XXXX XXXX # XXXX on cr edit report number XXXX The balance listed on the account is incorrect. Please delete the account.

Cont'd attempts collect debt not owed

I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me

Communication tactics

Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.

Incorrect information on your report

Today, XXXX / XXXX / 17 , I tried to get credit card from Home Depot, w hi ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score. My question is : why my credit score is low? I expected it to be a round XXXX .

Cont'd attempts collect debt not owed

I have no knowledge of this acct.

Trouble during payment process

New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.

Communication tactics

I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.

Attempts to collect debt not owed

I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.

Cont'd attempts collect debt not owed

Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.

Unsolicited issuance of credit card

DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. PLEASE REMOVE

Improper contact or sharing of info

An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.

Improper contact or sharing of info

Company was not given authorization to share sensitive medical information to a 3rd party or outsider.

Incorrect information on credit report

I had an account with XXXX rental out was paid off but still coming up as a negative on my report.

Disclosure verification of debt

This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.

Deposits and withdrawals

My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer

Billing disputes

i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.

Cont'd attempts collect debt not owed

constant calling and threatingin

Cont'd attempts collect debt not owed

I was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...

Improper use of your report

TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit report.

Written notification about debt

I lost my job and was not able to pay

Incorrect information on credit report

NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!

False statements or representation

My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.

Cont'd attempts collect debt not owed

I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Improper use of your report

There was a Equifax data breach on or about XXXX XXXX. I checked the Equifax official website on XXXX/XXXX/XXXX and was told I that there might have been identity theft.

Closing your account

I had Chase Credit Cards for 20 Years. Suddenly, TODAY, they closed All XXXX of my Chase Credit Cards without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very High Credit Lines, and always Paid on Time. Never carried Any Balance.

Problem with fraud alerts or security freezes

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done

Incorrect information on credit report

I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.

False statements or representation

Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.

Incorrect information on credit report

Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.

Dealing with my lender or servicer

Attended 1 year of college at XXXX University in XXXX XXXX, MN. Was unable to pay for the loans after leaving. I am now in a position to pay the loan but the law firm handling my debt wo n't return my calls to work something out. I have been garnished and leveed without receiving a summons to court.

Incorrect information on credit report

I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.

Loan servicing, payments, escrow account

1 ) Chase did not send me the actual signed modification agreement in the package. 2 ) Chase did not properly apply payments to any of my principal balance. 3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.

Cont'd attempts collect debt not owed

An account is listed under XXXX. I have attempted to dispute this debt, and no steps were taken on their end.

Problem adding money

I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.

Making/receiving payments, sending money

I use Bank of America billpay to send money to individuals. When the individual tries to cash the check at any Bbank of America branch, Bank of America responds that they do n't have to honor it because it 's not drawn on Bank of America.

Incorrect information on credit report

I have outdated information on my credit report date from 2006 even accounts with the open date unknown numerous incorrect payment information as well.

Attempts to collect debt not owed

DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Debt Recovery is trying to collect this debt it does not belong to me.

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

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

Credit reporting company's investigation

I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!

Incorrect information on credit report

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Cont'd attempts collect debt not owed

+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. + Con

Incorrect information on your report

cra violation equifax breach cause me to destroy my credit file XXXX taking more than 90 days to fix it

Dealing with my lender or servicer

I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.

Improper use of your report

I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

Attempts to collect debt not owed

NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.

Disclosure verification of debt

They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.

Incorrect information on credit report

My information and my XXXX brothers information is being included together because our social security numbers are a digit off

Improper use of your report

1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about. 2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about. 3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about. 5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

Cont'd attempts collect debt not owed

XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Attempts to collect debt not owed

This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Incorrect information on your report

XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Incorrect information on credit report

I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.

Incorrect information on credit report

I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.

False statements or representation

robo calling and asking for XXXX XXXX however keep me on hold then hang up. I have not business relations with XXXX XXXX

Incorrect information on credit report

There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

Credit reporting company's investigation

I keep an eye on all XXXX because I 'm in the process of buying a house. After monitoring my credit profile with all XXXX bureau, on XXXX XXXX I check my Equifax report everything was fine, I rechecked it on XXXX XXXX my score fell XXXX points without any negative activity whatsoever besides making all my payments on time and all balance decrease. After speaking with XXXX representatives they said theres NOTHING they can do about it.

Fees or interest

American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.

Incorrect information on credit report

This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

Incorrect information on credit report

please refer to case # XXXX for a brief history and enclosed documentation

Loan servicing, payments, escrow account

My US BANK home mortgage account is being reported inaccurately to credit reporting agencies and its impacting my loans and credit cards.

Incorrect information on your report

XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.

Credit decision / Underwriting

I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later

Incorrect information on credit report

Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.

Credit line increase/decrease

I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.

Incorrect information on your report

XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. " I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. Sincerely, XXXX XXXX XXXX

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

Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.

Incorrect information on your report

XXXX XXXX account does not belong to me it belongs to my ex husband

Cont'd attempts collect debt not owed

They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.

Disclosure verification of debt

I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control

Improper use of your report

Information was improperly handled by Equifax and as a result, ended up being collected by malicious parties. The option to obtain credit monitoring and restoration services should be available without having to opt out of a class law suit.

Improper use of your report

According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.

Incorrect information on credit report

A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.

Incorrect information on credit report

I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.

Struggling to pay mortgage

SPS has refused to modify my loan. They offered a repayment plan with a balloon payment in 13 months of XXXX.I filed a chapter XXXX and my debts were discharged, but that are making me pay the all of the back payments

Communication tactics

I have sent a verified email to USA Living about cease of communication to my cellular phone. They continued to do so twice since giving them the notice.

Incorrect information on credit report

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Cont'd attempts collect debt not owed

i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. thank you for your time. with respect,

Disclosure verification of debt

I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.

Communication tactics

Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.