determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
Communication tactics	XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.
Improper use of your report	On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX
Incorrect information on your report	LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Problem with a credit reporting company's investigation into an existing problem	Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.
Disclosure verification of debt	The collection agency agreed to remove this from my credit report
Threatened to contact someone or share information improperly	Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.
Problem with a purchase shown on your statement	XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}
Disclosure verification of debt	XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Incorrect information on credit report	Midland Funding continues to report information on my credit report despite it being past 7 years old.
Incorrect information on credit report	I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file
Attempts to collect debt not owed	I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me
Closing/Cancelling account	Wells Fargo Bank cancelled my credit card due to a transaction the rental car company placed 3 weeks after my business was done with them.
Loan servicing, payments, escrow account	I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.
Incorrect information on your report	There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}
Managing the loan or lease	i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments
Fraud or scam	I attempted to send cryptocurrency worth {$750.00} to my USD wallet and the funds were never received. This happened a week ago on the XXXX.
Attempts to collect debt not owed	XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. I was victim of identity theft and contacted by police.
Cont'd attempts collect debt not owed	I received correspondence by a debt collector to collect a debt that is not mine.
Improper contact or sharing of info	Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.
Cont'd attempts collect debt not owed	I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.
Cont'd attempts collect debt not owed	I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.
Improper use of your report	i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
Can't repay my loan	I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.
Making/receiving payments, sending money	HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Problem with a credit reporting company's investigation into an existing problem	on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Incorrect information on credit report	They continue to report address that belongs to my twin brother not me. They have added a employer that is not my employer.
Improper use of your report	my applicant was decline approval base on my location and a negative inquiry was still file offending my score.
Can't repay my loan	Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.
Problem with a credit reporting company's investigation into an existing problem	I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Managing the loan or lease	I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.
Problem with a credit reporting company's investigation into an existing problem	I am attaching a letter I sent a letter to Equifax and XXXX XXXX back on XXXX XXXX , requesting that they investigate error on my credit report. I have not received a response from either.
Incorrect information on your report	Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Deposits and withdrawals	On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.
Incorrect information on your report	I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.
Communication tactics	Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...
Cont'd attempts collect debt not owed	diversified consultant keep calling my XXXX and XXXX year old sisters for one of my debts that has already been paid off and posing as an insurance company.
Incorrect information on credit report	Transunion shows XXXX hard credit inquiries dated XXXX XXXX 2016. I have not applied for any credit and am concerned that someone is trying to steal my identity.
Rewards	Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.
Account opening, closing, or management	I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.
Incorrect information on your report	Ive reached out to all three ( XXXX, Equifax, XXXX ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Attempts to collect debt not owed	Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.
Credit reporting company's investigation	XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.
Incorrect information on credit report	I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.
Incorrect information on your report	I sent several letters starting XXXX XXXX , 2017 asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine. I received a letter back were company called my request frivolous and refused to cooperate.
Loan servicing, payments, escrow account	My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.
Incorrect information on your report	the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.
Struggling to pay your loan	Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.
Account opening, closing, or management	Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.
Improper use of your report	Information comprised in Equifax breech
Improper contact or sharing of info	I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
Incorrect information on credit report	Credit shows balance due. Balance should be at XXXX
Improper use of your report	I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. I reviewed my file and noticed the same thing happened a couple other times.
Loan servicing, payments, escrow account	Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). THIS IS NOT A DUPLICATE CASE.
Cont'd attempts collect debt not owed	Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
Credit reporting company's investigation	Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.
Cont'd attempts collect debt not owed	I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.
Loan modification,collection,foreclosure	I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX
Cont'd attempts collect debt not owed	XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Incorrect information on your report	I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,
False statements or representation	Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX
Credit determination	Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.
Improper use of your report	Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.
Problem with a credit reporting company's investigation into an existing problem	I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
False statements or representation	Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page
Cont'd attempts collect debt not owed	ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX
Cont'd attempts collect debt not owed	I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Incorrect information on your report	I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Getting a credit card	I applied for the Chase XXXX Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.
Cont'd attempts collect debt not owed	I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it
Getting a loan	There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.
Incorrect information on credit report	I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation
Dealing with your lender or servicer	Over the course of the loan which has been o ver ten years customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a XXXX XXXX in XXXX XXXX for over tw enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a coworker.
Loan modification,collection,foreclosure	loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off
Cont'd attempts collect debt not owed	I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted
False statements or representation	THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.
Cont'd attempts collect debt not owed	Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.
Incorrect information on credit report	Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. Thank you.
Unable to get credit report/credit score	I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from XXXX )
Cont'd attempts collect debt not owed	I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
Improper use of your report	Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.
Can't repay my loan	I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..
Problems caused by my funds being low	SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!
Dealing with my lender or servicer	I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.
Problem with a credit reporting company's investigation into an existing problem	I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX.
Can't contact lender	I receive calls during my work hours non stop calls, one after another.
Disclosure verification of debt	The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.
Loan servicing, payments, escrow account	The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.
Problem with a credit reporting company's investigation into an existing problem	Website waived rights to sue and gave arbitrary answer to if you credit information was compromised
Using a debit or ATM card	Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. Sincerely, A frustrated customer
Communication tactics	They called after XXXX and left a message..
Credit reporting company's investigation	On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.
Incorrect information on credit report	Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.
Can't contact lender	XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.
Problem with a credit reporting company's investigation into an existing problem	Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX

Cont'd attempts collect debt not owed

ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Communication tactics

XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.

Improper use of your report

On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX

Incorrect information on your report

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

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

Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.

Disclosure verification of debt

The collection agency agreed to remove this from my credit report

Threatened to contact someone or share information improperly

Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.

Problem with a purchase shown on your statement

XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}

Disclosure verification of debt

XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Incorrect information on credit report

Midland Funding continues to report information on my credit report despite it being past 7 years old.

Incorrect information on credit report

I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.

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

XXXX XXXX bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file

Attempts to collect debt not owed

I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me

Closing/Cancelling account

Wells Fargo Bank cancelled my credit card due to a transaction the rental car company placed 3 weeks after my business was done with them.

Loan servicing, payments, escrow account

I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.

Incorrect information on your report

There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

Managing the loan or lease

i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments

Fraud or scam

I attempted to send cryptocurrency worth {$750.00} to my USD wallet and the funds were never received. This happened a week ago on the XXXX.

Attempts to collect debt not owed

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. I was victim of identity theft and contacted by police.

Cont'd attempts collect debt not owed

I received correspondence by a debt collector to collect a debt that is not mine.

Improper contact or sharing of info

Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.

Cont'd attempts collect debt not owed

I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.

Cont'd attempts collect debt not owed

I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.

Improper use of your report

i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.

Can't repay my loan

I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.

Making/receiving payments, sending money

HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.

Incorrect information on your report

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

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

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.

Incorrect information on credit report

They continue to report address that belongs to my twin brother not me. They have added a employer that is not my employer.

Improper use of your report

my applicant was decline approval base on my location and a negative inquiry was still file offending my score.

Can't repay my loan

Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.

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

I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.

Managing the loan or lease

I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.

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

I am attaching a letter I sent a letter to Equifax and XXXX XXXX back on XXXX XXXX , requesting that they investigate error on my credit report. I have not received a response from either.

Incorrect information on your report

Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Deposits and withdrawals

On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.

Incorrect information on your report

I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.

Communication tactics

Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...

Cont'd attempts collect debt not owed

diversified consultant keep calling my XXXX and XXXX year old sisters for one of my debts that has already been paid off and posing as an insurance company.

Incorrect information on credit report

Transunion shows XXXX hard credit inquiries dated XXXX XXXX 2016. I have not applied for any credit and am concerned that someone is trying to steal my identity.

Rewards

Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.

Account opening, closing, or management

I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.

Incorrect information on your report

Ive reached out to all three ( XXXX, Equifax, XXXX ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.

Attempts to collect debt not owed

Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.

Credit reporting company's investigation

XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.

Incorrect information on credit report

I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.

Incorrect information on your report

I sent several letters starting XXXX XXXX , 2017 asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine. I received a letter back were company called my request frivolous and refused to cooperate.

Loan servicing, payments, escrow account

My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.

Incorrect information on your report

the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Struggling to pay your loan

Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold

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

XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

Account opening, closing, or management

Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.

Improper use of your report

Information comprised in Equifax breech

Improper contact or sharing of info

I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.

Incorrect information on credit report

Credit shows balance due. Balance should be at XXXX

Improper use of your report

I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. I reviewed my file and noticed the same thing happened a couple other times.

Loan servicing, payments, escrow account

Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). THIS IS NOT A DUPLICATE CASE.

Cont'd attempts collect debt not owed

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized

Credit reporting company's investigation

Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.

Cont'd attempts collect debt not owed

I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.

Loan modification,collection,foreclosure

I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX

Cont'd attempts collect debt not owed

XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.

Incorrect information on your report

I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

False statements or representation

Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX

Credit determination

Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.

Improper use of your report

Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.

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

I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

False statements or representation

Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page

Cont'd attempts collect debt not owed

ntl recovery agency keeps trying to collect a debt for XXXX i never had XXXX

Cont'd attempts collect debt not owed

I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Incorrect information on your report

I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Getting a credit card

I applied for the Chase XXXX Preferred card and got a call for additional verification which I completed after then it was approved. When the card arrived it did not work, I called Chase several times and nothing got done.

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them indicating that owed them, therefore I was not afforded my right to validation under statue 809 ( a ) of the FDCPA.

Cont'd attempts collect debt not owed

I received a notice of collection related to a debt allegedly owed to XXXX, where I do not have and have never had an account. The notice was from Allied International Credit Corp., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The amount claimed was {$940.00}. Although the notice looks genuine, I 'm sure this is attempted fraud and so I am reporting it

Getting a loan

There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.

Incorrect information on credit report

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

Dealing with your lender or servicer

Over the course of the loan which has been o ver ten years customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a XXXX XXXX in XXXX XXXX for over tw enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a coworker.

Loan modification,collection,foreclosure

loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off

Cont'd attempts collect debt not owed

I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted

False statements or representation

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.

Cont'd attempts collect debt not owed

Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.

Incorrect information on credit report

Hi Equifax and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. Thank you.

Unable to get credit report/credit score

I requested a copy in writing from Annual Free Credit Report of my credit report ; I received a notice from XXXX and Experian stating they had sent it to me ; I did not receive a report from XXXX or Experian ; ( Note : I did receive my free copy from XXXX )

Cont'd attempts collect debt not owed

I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.

Improper use of your report

Year XX/XX/XXXX-XX/XX/XXXX various companies. I have no clue who 97 % of them are.

Can't repay my loan

I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..

Problems caused by my funds being low

SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!

Dealing with my lender or servicer

I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.

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

I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX.

Can't contact lender

I receive calls during my work hours non stop calls, one after another.

Disclosure verification of debt

The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.

Loan servicing, payments, escrow account

The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.

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

Website waived rights to sue and gave arbitrary answer to if you credit information was compromised

Using a debit or ATM card

Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. Sincerely, A frustrated customer

Communication tactics

They called after XXXX and left a message..

Credit reporting company's investigation

On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.

Incorrect information on credit report

Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.

Can't contact lender

XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.

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

Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX