determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
False statements or representation	The company Pharia LLC is hiring attorney to file law suit against me and having law enforcement officers to come to my house threat me to take everything I owe
Incorrect information on credit report	I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.
Incorrect information on your report	XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Application, originator, mortgage broker	I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.
Improper use of your report	Equifax data breach compromised my personal information. Verified by Equifax website.
Identity theft / Fraud / Embezzlement	On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.
Incorrect information on credit report	Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Cont'd attempts collect debt not owed	southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.
Improper contact or sharing of info	I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.
Cont'd attempts collect debt not owed	Debt was the result of an identity fraud from a bank
Managing an account	My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!
Incorrect information on your report	this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Improper use of your report	Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.
Problem with the payoff process at the end of the loan	I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!
Credit card protection / Debt protection	I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!
Incorrect information on credit report	After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .
Unable to get credit report/credit score	I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.
Communication tactics	They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
Improper use of my credit report	this not my account
Disclosure verification of debt	I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.
Disclosure verification of debt	I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Incorrect information on credit report	I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX
Improper contact or sharing of info	XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. I 've faxed a cease and desist letter to stop all contact immediately.
Credit reporting company's investigation	Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. Why do I have to spend so many countless hours on this? See attached.
Cont'd attempts collect debt not owed	I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}
Attempts to collect debt not owed	On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.
Taking/threatening an illegal action	All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement
Cont'd attempts collect debt not owed	The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.
Disclosure verification of debt	I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.
Can't repay my loan	The collection company constantly calls my husband at work. They hunt down people I know on my XXXX page and harass them. They have my number and they have my address. There is no need for them to be calling anyone else.
Cont'd attempts collect debt not owed	This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
Incorrect information on credit report	several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill.
Problem with fraud alerts or security freezes	On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.
Communication tactics	I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not EXPERIAN. I already contacted them via email and have had no response.
Taking out the loan or lease	I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?
Identity theft / Fraud / Embezzlement	Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.
Payment to acct not credited	I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.
Loan servicing, payments, escrow account	A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.
Incorrect information on your report	XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is XXXX
Incorrect information on your report	Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
Taking out the loan or lease	I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately
Incorrect information on credit report	Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Incorrect information on your report	I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.
Problem with a credit reporting company's investigation into an existing problem	chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.
Incorrect information on credit report	The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.
Incorrect information on your report	Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses
Cont'd attempts collect debt not owed	This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine
Improper use of your report	Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.
Incorrect information on credit report	I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.
Deposits and withdrawals	USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.
Account opening, closing, or management	my applying to open the account of First Tennessee Application by online Has Been Declined.
Communication tactics	Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.
Communication tactics	I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.
Incorrect information on credit report	I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
Attempts to collect debt not owed	Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. Diversified Consultant account # XXXX
Incorrect information on your report	I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
Cont'd attempts collect debt not owed	This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA
Managing the loan or lease	I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.
Took or threatened to take negative or legal action	Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : XXXX
Improper use of your report	I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.
Disclosure verification of debt	I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score
Incorrect information on credit report	XXXX XXXX The following account above is not mine, and it is keeping me from getting a job.
Disclosure verification of debt	I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC 809B IF THE FDCPA
Incorrect information on credit report	There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.
Incorrect information on credit report	A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...
Credit monitoring or identity theft protection services	Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.
Loan modification,collection,foreclosure	I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. I need some help resolving this issue immediately.
Can't repay my loan	XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.
Incorrect information on credit report	XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.
Incorrect information on credit report	Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.
Incorrect information on your report	My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.
Communication tactics	I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..
Problem with a credit reporting company's investigation into an existing problem	Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.
Can't repay my loan	I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans
Managing the loan or lease	Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.
Attempts to collect debt not owed	I received a phone call at work fro m McCarthy Burgess and Wolf ( XXXX ). They stated that I owed {$300.00} to XXXX resorts for a trip on XXXX XXXX . They stated I stayed at XXXX XXXX on that night. I stayed at XXXX XXXX for 5 nights in XXXX . I did not book through XXXX . I called the resort, and they said I do not owe any money. This is a scam.
Identity theft / Fraud / Embezzlement	we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.
Incorrect information on your report	I have a mixed file on my credit report Transunion is reporting I have a bankruptcy on my report this is incorrect information
Improper use of my credit report	I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.
Problem with a credit reporting company's investigation into an existing problem	Freezing my credit report should be easier, and free The current situation is absurd
Cont'd attempts collect debt not owed	I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.
False statements or representation	XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.
Incorrect information on your report	I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. Please check.
Credit reporting company's investigation	XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.
Took or threatened to take negative or legal action	I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. I recently migrated from XXXX XXXX and do not owe anyone anything. Please assist and take the response company to task.
Credit reporting company's investigation	I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Incorrect information on your report	There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.
Improper use of your report	Equifax did n't protect itself against hacking and now all my personal information is out in the wild. My credit and personal finances are at risk.
Cont'd attempts collect debt not owed	THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.
Dealing with my lender or servicer	I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.
Disclosure verification of debt	There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help
Incorrect information on your report	My name is XXXX XXXX XXXX , not XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX delaware XXXX not XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX de XXXX , and these are not my last XXXX digit social XXXX , and my phone number is XXXX not XXXX and my work address is XXXX XXXX XXXX XXXX XXXX de XXXX not XXXX XXXX XXXX de XXXX
Improper contact or sharing of info	The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.
Unsolicited issuance of credit card	Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card
Disclosure verification of debt	I have no idea where this collections is coming from.
Loan modification,collection,foreclosure	Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).
Attempts to collect debt not owed	I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX . I am not responsible for this debt with Portfolio Recovery.
Dealing with my lender or servicer	Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.
Account opening, closing, or management	My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.

False statements or representation

The company Pharia LLC is hiring attorney to file law suit against me and having law enforcement officers to come to my house threat me to take everything I owe

Incorrect information on credit report

I have a hard inquiry on my report from XXXX. This is a result of identity theft as I did not request or authorize any inquiries at this time.

Incorrect information on your report

XXXX XXXX ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

Application, originator, mortgage broker

I have been trying to get a loan modification since XXXX 2016 from ocwen. All i get from them is account is in review. They have stopped accepting partial payments and will not help with loan mod. They keep telling me some underwriter with no way to contact them has my information.

Improper use of your report

Equifax data breach compromised my personal information. Verified by Equifax website.

Identity theft / Fraud / Embezzlement

On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.

Incorrect information on credit report

Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

Cont'd attempts collect debt not owed

southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.

Improper contact or sharing of info

I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.

Cont'd attempts collect debt not owed

Debt was the result of an identity fraud from a bank

Managing an account

My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!

Incorrect information on your report

this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX

Improper use of your report

Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.

Problem with the payoff process at the end of the loan

I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!

Credit card protection / Debt protection

I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!

Incorrect information on credit report

After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .

Unable to get credit report/credit score

I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.

Communication tactics

They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Improper use of my credit report

this not my account

Disclosure verification of debt

I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.

Disclosure verification of debt

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

Incorrect information on credit report

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX

Improper contact or sharing of info

XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. I 've faxed a cease and desist letter to stop all contact immediately.

Credit reporting company's investigation

Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. Why do I have to spend so many countless hours on this? See attached.

Cont'd attempts collect debt not owed

I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}

Attempts to collect debt not owed

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.

Taking/threatening an illegal action

All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

Cont'd attempts collect debt not owed

The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.

Disclosure verification of debt

I have asked several times for verification of this debt, i have never received any actual proof that I owe any money, they still reported this account to the credit Bureaus.

Can't repay my loan

The collection company constantly calls my husband at work. They hunt down people I know on my XXXX page and harass them. They have my number and they have my address. There is no need for them to be calling anyone else.

Cont'd attempts collect debt not owed

This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Incorrect information on credit report

several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill.

Problem with fraud alerts or security freezes

On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.

Communication tactics

I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''

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

XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not EXPERIAN. I already contacted them via email and have had no response.

Taking out the loan or lease

I read that Honda Financial Services settled for racial discrimination. How can I find out if I was discriminated against when I signed for a car loan?

Identity theft / Fraud / Embezzlement

Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.

Payment to acct not credited

I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.

Loan servicing, payments, escrow account

A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.

Incorrect information on your report

XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is XXXX

Incorrect information on your report

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX

Taking out the loan or lease

I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately

Incorrect information on credit report

Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Incorrect information on your report

I check my credit scores quite often and noticed that my credit scores had dropped a couple of days ago. I paid all my bills on time and did not understand why my credit scores had dropped so low in a couple of days. I contacted Equifax on XXXX XXXX, 2017 to check my report and was told that I may have been affected by the data breach. I contacted the other agencies to put a alert on my account.

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

chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.

Incorrect information on credit report

The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.

Incorrect information on your report

Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses

Cont'd attempts collect debt not owed

This was my daughters phone not mine. Her name is XXXX XXXX and it should go on her record not mine

Improper use of your report

Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.

Incorrect information on credit report

I am filing a complaint against equifax, cause i have sent them a copy of my police report and a request to block a credit card that was opened fraudulently in my name with XXXX XXXX XXXX account # XXXX and they have not removed the fraudulent account per my police report. XXXX and XXXX have already token care of the fraud and equifax is not cooperating in getting this removed.

Deposits and withdrawals

USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.

Account opening, closing, or management

my applying to open the account of First Tennessee Application by online Has Been Declined.

Communication tactics

Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.

Communication tactics

I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.

Incorrect information on credit report

I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to transunion, But i have called transunion a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

Attempts to collect debt not owed

Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. Diversified Consultant account # XXXX

Incorrect information on your report

I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.

Cont'd attempts collect debt not owed

This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA

Managing the loan or lease

I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.

Took or threatened to take negative or legal action

Repeated phone calls at odd hours of day and night from XXXX XXXX, also served me with lawsuit for debt I do n't recognize. They call from multiple phone numbers including : XXXX

Improper use of your report

I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.

Disclosure verification of debt

I was covered under medical at the ti.e of service but it went to colections before i recived any bills. They never want to accept any payments except to split in thirds and that is nust not happeneing and theu file with multiple creditors who duplicaye the account u fairly.imoacting the credit score

Incorrect information on credit report

XXXX XXXX The following account above is not mine, and it is keeping me from getting a job.

Disclosure verification of debt

I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC 809B IF THE FDCPA

Incorrect information on credit report

There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.

Incorrect information on credit report

A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...

Credit monitoring or identity theft protection services

Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.

Loan modification,collection,foreclosure

I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. I need some help resolving this issue immediately.

Can't repay my loan

XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.

Incorrect information on credit report

XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.

Incorrect information on credit report

Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.

Incorrect information on your report

My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.

Communication tactics

I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..

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

Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.

Can't repay my loan

I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans

Managing the loan or lease

Ally financial repeatedly reports I had a late payment in XXXX 2016 but I paid double that month and they refuse to remove it.

Attempts to collect debt not owed

I received a phone call at work fro m McCarthy Burgess and Wolf ( XXXX ). They stated that I owed {$300.00} to XXXX resorts for a trip on XXXX XXXX . They stated I stayed at XXXX XXXX on that night. I stayed at XXXX XXXX for 5 nights in XXXX . I did not book through XXXX . I called the resort, and they said I do not owe any money. This is a scam.

Identity theft / Fraud / Embezzlement

we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.

Incorrect information on your report

I have a mixed file on my credit report Transunion is reporting I have a bankruptcy on my report this is incorrect information

Improper use of my credit report

I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.

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

Freezing my credit report should be easier, and free The current situation is absurd

Cont'd attempts collect debt not owed

I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.

False statements or representation

XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.

Incorrect information on your report

I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. Please check.

Credit reporting company's investigation

XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.

Took or threatened to take negative or legal action

I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. I recently migrated from XXXX XXXX and do not owe anyone anything. Please assist and take the response company to task.

Credit reporting company's investigation

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Incorrect information on your report

There are multiple fraudulent accounts opened on my credit file due to fraud. I filed a police report and sent it in to the police station. The company would not remove the fraudulent accounts per my police report.

Improper use of your report

Equifax did n't protect itself against hacking and now all my personal information is out in the wild. My credit and personal finances are at risk.

Cont'd attempts collect debt not owed

THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.

Dealing with my lender or servicer

I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.

Disclosure verification of debt

There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help

Incorrect information on your report

My name is XXXX XXXX XXXX , not XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX delaware XXXX not XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX de XXXX , and these are not my last XXXX digit social XXXX , and my phone number is XXXX not XXXX and my work address is XXXX XXXX XXXX XXXX XXXX de XXXX not XXXX XXXX XXXX de XXXX

Improper contact or sharing of info

The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.

Unsolicited issuance of credit card

Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card

Disclosure verification of debt

I have no idea where this collections is coming from.

Loan modification,collection,foreclosure

Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).

Attempts to collect debt not owed

I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX . I am not responsible for this debt with Portfolio Recovery.

Dealing with my lender or servicer

Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.

Account opening, closing, or management

My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.