determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.
Incorrect information on your report	In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX
Improper use of your report	I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.
Attempts to collect debt not owed	I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the XXXX XXXX and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid
Account opening, closing, or management	Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.
Incorrect information on your report	cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Cont'd attempts collect debt not owed	Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.
Incorrect information on credit report	Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me
Incorrect information on your report	I just completed a chapter XXXX bankruptcy that included the XXXX XXXX home loan. the house was surrendered and the loan included in the chapter XXXX with the successful completion of the chapter XXXX the loan must now show XXXX balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter XXXX the XXXX XXXX home loans should now read closed. zero balance.
Managing an account	On Monday XXXX XXXX I went in to Chase Priv ate Client branch located at XXXX XXXX XXXX XXXX , XXXX , FL XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.
Incorrect information on your report	My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.
Loan modification,collection,foreclosure	I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. How can Penny Mac deviate from the government rules of a VA guaranteed loan?
Written notification about debt	I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.
Cont'd attempts collect debt not owed	I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. The numbers they are using are:XXXX and XXXX.
Other	For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.
Disclosure verification of debt	This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.
Incorrect information on your report	XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
False statements or representation	Cable bill saying i owe {$190.00}.
Improper contact or sharing of info	Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.
Taking/threatening an illegal action	Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.
Can't repay my loan	Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. I can not choose all XXXX repayment options listed below, however, all XXXX options apply.
Improper use of your report	Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.
Loan servicing, payments, escrow account	When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.
Unable to get your credit report or credit score	attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.
Credit reporting company's investigation	I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.
Incorrect information on credit report	XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.
Incorrect information on credit report	Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX
Disclosure verification of debt	I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.
Written notification about debt	After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.
False statements or representation	Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!
Communication tactics	They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.
Credit reporting company's investigation	I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
Received a loan I didn't apply for	there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name
Managing an account	My balance is n't updating in a timely manner
Cont'd attempts collect debt not owed	XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. They have ignored my requests. Is this my only recourse?
False statements or representation	I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people
Advertising and marketing	American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Incorrect information on your report	Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan
Cont'd attempts collect debt not owed	Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response.
Dealing with my lender or servicer	Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.
Cont'd attempts collect debt not owed	I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.
Problem with a credit reporting company's investigation into an existing problem	I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.
Unauthorized transactions or other transaction problem	Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you
Improper contact or sharing of info	I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.
Late fee	I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. They refuse to refund my money when I called to complain. This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.
Problem with a credit reporting company's investigation into an existing problem	Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.
Improper contact or sharing of info	The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.
False statements or representation	my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
Incorrect information on your report	Transunion has XXXX XXXX XXXX XXXX showing in which there is no money owed on this account. This account has been paid and XXXX XXXX XXXX XXXX owes me money back. This account was over paid and have filed with the FTC & CFPB I have enclosed documents showing the money paid as well as the incorrect information that Transunion has on file.
Improper use of your report	The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.
Getting a credit card	Hello, I have a credit score o ver XXXX and a credit history of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have XXXX XXXX . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you
Settlement process and costs	Citizen 's Bank, gave us a commitment for a condo, and then at the last moment is not coming to the closing. Since the financing contingency expired before the closing date, my down payment is exposed according to my lawyer. However, Citizen 's acted in bad faith.
Problem with a credit reporting company's investigation into an existing problem	I have notified XXXX XXXX Bank that they are inaccurately reporting that I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Incorrect information on your report	Experian, XXXX, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
Fees or interest	What a nightmare to get someone who I can hear. It has only gotten worst instead of better. Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives. The voice system is not clear either. Overseas is a nightmare too. I was told my annual fee would be waived or a promotion.
Billing disputes	i was looking at my credit card statement from bestbuy and saw a charge for {$20.00} from this XXXX
Improper use of my credit report	Experian.com compromised my credit score with another member.
Incorrect information on credit report	I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. Please remove it from my credit history.
Incorrect information on credit report	My last name is misspelled on my Trans Union credit report.
Improper use of my credit report	currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.
Disclosure verification of debt	Never received any information on this supposed debt.
Credit monitoring or identity protection	hello equafax continues to refuse to delete inquiries on my name that i never applied for also they deducted XXXX points off my score for no reason
Incorrect information on your report	I have a lot of student loans on my credit report. There are 9 student loan payment that is listed on my report that has late payments on each one for 9 Months the dates are from XXXX XXXX XXXX XXXX and also XXXX XXXX .
Took or threatened to take negative or legal action	Mariner Finance is showing up on my credit report. I have never had a loan with them or any letters, phone calls etc. Now they are on my credit report and the debt is over 7 years old.
Deposits and withdrawals	I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.
Incorrect information on credit report	I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Loan servicing, payments, escrow account	Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.
Cont'd attempts collect debt not owed	I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.
Cont'd attempts collect debt not owed	Collection agency inquires on my credit report without permissible purpose.
Cont'd attempts collect debt not owed	Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
False statements or representation	I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.
Took or threatened to take negative or legal action	I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
Credit reporting company's investigation	I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.
Incorrect information on credit report	Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.
Advertising and marketing	This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.
Received a loan I didn't apply for	Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.
Account opening, closing, or management	Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.
Incorrect information on your report	As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Improper use of your report	On XXXX XXXX , 2017 XXXX XXXX made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.
Loan modification,collection,foreclosure	This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.
Incorrect information on your report	XXXX yrs of payments not showing in XXXX report vs transunion
Struggling to repay your loan	I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.
Written notification about debt	I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.
Loan servicing, payments, escrow account	Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.
Settlement process and costs	I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.
Unable to get credit report/credit score	Equifax will not deal with me by phone
Improper use of your report	I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Managing the loan or lease	The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.
Unable to get credit report/credit score	None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.
Written notification about debt	I have no knowledge of this debt. I never received a right to dispute.
Improper contact or sharing of info	I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. They refused to give him details and told him " Someone will call you back ''
Billing disputes	Capital one is re-billing me for charges that I did not make.
Incorrect information on credit report	A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report.
Incorrect information on credit report	BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. XXXX
Can't repay my loan	I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.
Cont'd attempts collect debt not owed	A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.
Improper use of your report	Equifax leaked my personal information
Money was not available when promised	I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.
Managing the loan or lease	I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.

Disclosure verification of debt

There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.

Incorrect information on your report

In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Improper use of your report

I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.

Attempts to collect debt not owed

I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the XXXX XXXX and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid

Account opening, closing, or management

Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.

Incorrect information on your report

cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Cont'd attempts collect debt not owed

Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.

Incorrect information on credit report

Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me

Incorrect information on your report

I just completed a chapter XXXX bankruptcy that included the XXXX XXXX home loan. the house was surrendered and the loan included in the chapter XXXX with the successful completion of the chapter XXXX the loan must now show XXXX balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter XXXX the XXXX XXXX home loans should now read closed. zero balance.

Managing an account

On Monday XXXX XXXX I went in to Chase Priv ate Client branch located at XXXX XXXX XXXX XXXX , XXXX , FL XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.

Incorrect information on your report

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.

Loan modification,collection,foreclosure

I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. How can Penny Mac deviate from the government rules of a VA guaranteed loan?

Written notification about debt

I C System placed a collection account on my credit file for {$130.00}. I have not received any correspondence about this debt and I do not know who it is with. I noticed on my credit report today XX/XX/XXXX that it was placed on XXXX/2017.

Cont'd attempts collect debt not owed

I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. The numbers they are using are:XXXX and XXXX.

Other

For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.

Disclosure verification of debt

This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.

Incorrect information on your report

XXXX, Experian and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

False statements or representation

Cable bill saying i owe {$190.00}.

Improper contact or sharing of info

Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.

Taking/threatening an illegal action

Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Can't repay my loan

Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. I can not choose all XXXX repayment options listed below, however, all XXXX options apply.

Improper use of your report

Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.

Loan servicing, payments, escrow account

When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.

Unable to get your credit report or credit score

attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.

Credit reporting company's investigation

I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.

Incorrect information on credit report

XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.

Incorrect information on credit report

Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX

Disclosure verification of debt

I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.

Written notification about debt

After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.

False statements or representation

Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!

Communication tactics

They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.

Credit reporting company's investigation

I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.

Received a loan I didn't apply for

there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name

Managing an account

My balance is n't updating in a timely manner

Cont'd attempts collect debt not owed

XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. They have ignored my requests. Is this my only recourse?

False statements or representation

I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people

Advertising and marketing

American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.

Cont'd attempts collect debt not owed

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

Incorrect information on your report

Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan

Cont'd attempts collect debt not owed

Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response.

Dealing with my lender or servicer

Please have lates removed from XXXX 2010 XXXX XXXX account. Account was under bankruptcy at time of reporting.

Cont'd attempts collect debt not owed

I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.

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

I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.

Unauthorized transactions or other transaction problem

Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you

Improper contact or sharing of info

I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.

Late fee

I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. They refuse to refund my money when I called to complain. This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.

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

Portfolio Recov Assoc, Promise to remove the collection off the credit if I paid the settlement, which I did and it's still shows on my credit years after.

Improper contact or sharing of info

The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.

False statements or representation

my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Incorrect information on your report

Transunion has XXXX XXXX XXXX XXXX showing in which there is no money owed on this account. This account has been paid and XXXX XXXX XXXX XXXX owes me money back. This account was over paid and have filed with the FTC & CFPB I have enclosed documents showing the money paid as well as the incorrect information that Transunion has on file.

Improper use of your report

The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.

Getting a credit card

Hello, I have a credit score o ver XXXX and a credit history of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have XXXX XXXX . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you

Settlement process and costs

Citizen 's Bank, gave us a commitment for a condo, and then at the last moment is not coming to the closing. Since the financing contingency expired before the closing date, my down payment is exposed according to my lawyer. However, Citizen 's acted in bad faith.

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

I have notified XXXX XXXX Bank that they are inaccurately reporting that I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Incorrect information on your report

Experian, XXXX, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

Fees or interest

What a nightmare to get someone who I can hear. It has only gotten worst instead of better. Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives. The voice system is not clear either. Overseas is a nightmare too. I was told my annual fee would be waived or a promotion.

Billing disputes

i was looking at my credit card statement from bestbuy and saw a charge for {$20.00} from this XXXX

Improper use of my credit report

Experian.com compromised my credit score with another member.

Incorrect information on credit report

I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. Please remove it from my credit history.

Incorrect information on credit report

My last name is misspelled on my Trans Union credit report.

Improper use of my credit report

currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.

Disclosure verification of debt

Never received any information on this supposed debt.

Credit monitoring or identity protection

hello equafax continues to refuse to delete inquiries on my name that i never applied for also they deducted XXXX points off my score for no reason

Incorrect information on your report

I have a lot of student loans on my credit report. There are 9 student loan payment that is listed on my report that has late payments on each one for 9 Months the dates are from XXXX XXXX XXXX XXXX and also XXXX XXXX .

Took or threatened to take negative or legal action

Mariner Finance is showing up on my credit report. I have never had a loan with them or any letters, phone calls etc. Now they are on my credit report and the debt is over 7 years old.

Deposits and withdrawals

I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.

Incorrect information on credit report

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Loan servicing, payments, escrow account

Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.

Cont'd attempts collect debt not owed

I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.

Cont'd attempts collect debt not owed

Collection agency inquires on my credit report without permissible purpose.

Cont'd attempts collect debt not owed

Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

False statements or representation

I received XXXX notices from XXXX XXXX XXXX that my student loans were eligible for default. The letters went on to say that XXXX verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both XXXX and the lender told me this was a mistake by XXXX, that they accidentally sent out THOUSANDS of these letters to consumers. This is atrocious.

Took or threatened to take negative or legal action

I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report

Credit reporting company's investigation

I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.

Incorrect information on credit report

Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.

Advertising and marketing

This is regarding the XXXX transaction that took place on XXXX XXXX, 2015. It was my knowledge that Capital One had a 20 % ride credit for all XXXX rides but Capital one failed to send me an email for setting up a Promotion code to have the XXXX XXXX ride for free. Searching through my inbox, I have no record of such an email in my inbox and Capital one is using false advertising to claim this.

Received a loan I didn't apply for

Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.

Account opening, closing, or management

Bank of America charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.

Incorrect information on your report

As opposed to deleting tax lien from my credit file as unverifiable. TransUnion marked the debt as paid, in order to keep an unverified tax lien on my credit file.

Improper use of your report

On XXXX XXXX , 2017 XXXX XXXX made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.

Loan modification,collection,foreclosure

This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.

Incorrect information on your report

XXXX yrs of payments not showing in XXXX report vs transunion

Struggling to repay your loan

I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.

Written notification about debt

I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.

Loan servicing, payments, escrow account

Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.

Settlement process and costs

I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.

Unable to get credit report/credit score

Equifax will not deal with me by phone

Improper use of your report

I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

Managing the loan or lease

The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.

Unable to get credit report/credit score

None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.

Written notification about debt

I have no knowledge of this debt. I never received a right to dispute.

Improper contact or sharing of info

I have no outstanding debts ( I had some many years ago, now all well outside of the statute of limitations in all states I have lived in ). This company called my husband 's cell phone and when he asked who they were they refused to give details. We looked up the number and they are a debt collection agency. They refused to give him details and told him " Someone will call you back ''

Billing disputes

Capital one is re-billing me for charges that I did not make.

Incorrect information on credit report

A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report.

Incorrect information on credit report

BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. XXXX

Can't repay my loan

I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.

Cont'd attempts collect debt not owed

A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.

Improper use of your report

Equifax leaked my personal information

Money was not available when promised

I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.

Managing the loan or lease

I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.