determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper use of your report	transunion and XXXX has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues
Disclosure verification of debt	Portfolio recovery placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.
Application, originator, mortgage broker	I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file
Charged fees or interest I didn't expect	I was n't not informed by Big Picture Loans of the 614.736 annual rate. I borrowed {$500.00} and was told I would have to pay {$120.00} in interest. I did not know the {$500.00} loan would cost me {$1900.00} totaling {$2400.00} for the entire loan. I have currently made XXXX payments totaling XXXX.
Communication tactics	XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.
Incorrect information on credit report	Experian has an incorrect name and incorrect addresses listed on my credit report and thy need to update my current address.
Communication tactics	I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me
Improper use of your report	My financial information has been identified as being part of the data hacked from Equifax.
Disclosure verification of debt	On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Shopping for a loan or lease	Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.
Dealing with your lender or servicer	This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.
Cont'd attempts collect debt not owed	I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine
Cont'd attempts collect debt not owed	I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..
Managing the loan or lease	I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. Is n't this usury? Should n't consumers be protected?
Communication tactics	This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.
Identity theft / Fraud / Embezzlement	I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.
Incorrect information on credit report	I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.
Credit reporting company's investigation	I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.
Other features, terms, or problems	Amazon.com store card blocks access to 3rd party finance management apps ( XXXX, XXXX, etc. ).
Credit reporting company's investigation	These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.
Credit reporting company's investigation	I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. I am attaching in this file all my filing. thank youXXXX
Cont'd attempts collect debt not owed	We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.
Improper contact or sharing of info	This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.
Dealing with my lender or servicer	I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.
Credit monitoring or identity theft protection services	This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.
APR or interest rate	i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.
Attempts to collect debt not owed	Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida
Credit card protection / Debt protection	My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.
Identity theft / Fraud / Embezzlement	My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.
Communication tactics	I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
Loan modification,collection,foreclosure	Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.
Incorrect information on your report	Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.
Applying for a mortgage or refinancing an existing mortgage	I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.
Cont'd attempts collect debt not owed	Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.
Managing the loan or lease	I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. XXXX ),
Problem with fraud alerts or security freezes	Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. ( see attached )
Disclosure verification of debt	XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references
Dealing with my lender or servicer	My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.
Improper use of your report	Equifax security breach. Credit has been compromised
Closing an account	I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?
Late fee	My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.
Incorrect information on credit report	I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me
Cont'd attempts collect debt not owed	I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that number. I know I do not owe any debt.
Communication tactics	I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.
Making/receiving payments, sending money	So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?
Communication tactics	These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.
Deposits and withdrawals	Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.
Other	The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.
Dealing with your lender or servicer	Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.
Incorrect information on credit report	There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.
Cont'd attempts collect debt not owed	I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Written notification about debt	CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.
Disclosure verification of debt	In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.
Billing disputes	The below disputed charge from XXXX was rebilled to mystatement. Can you please let me know why this disputed charge hasbeen rebilled again.
Cont'd attempts collect debt not owed	I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.
Getting a loan	XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.
Credit decision / Underwriting	I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!
Incorrect information on credit report	1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine
Using a debit or ATM card	My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.
Incorrect information on your report	Equifax has not updated all my accounts, XXXX XXXX has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX and reports on the XXXX of each month. I have a XXXX balance on the account and by reporting the high balance, this is hurting my credit utilization. XXXX XXXX confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.
Improper use of your report	XXXX XXXX XXXX XXXX ran my credit with out my permission
Incorrect information on credit report	experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.
False statements or representation	XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
Struggling to pay your loan	I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.
Getting a loan	My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report.
Incorrect information on credit report	Most recent address shows XXXX and I have never lived in XXXX.
Incorrect information on credit report	Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Improper use of my credit report	Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.
Incorrect information on credit report	I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.
Incorrect information on credit report	XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX
Improper use of your report	I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!
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 which seemed to initially happen back in late XXXX of 2017. 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 that my data was likely stolen
Loan servicing, payments, escrow account	I filed for Bankruptcy Protection and the bank still foreclosed on my home!
Loan servicing, payments, escrow account	Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.
Incorrect information on credit report	Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.
Disclosure verification of debt	I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Taking/threatening an illegal action	I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.
Problem when making payments	Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Incorrect information on your report	I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.
Problem with fraud alerts or security freezes	My identity was stolen as a result of the XXXX data breach of XXXX. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian. I will not pay any fees associated with this request nor engage in any cumbersome process. If Experian wishes to bill someone for the service they should bill XXXX
Problem with a credit reporting company's investigation into an existing problem	I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Identity theft / Fraud / Embezzlement	Dillards account was opened without my knowledge.
Communication tactics	This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.
Loan servicing, payments, escrow account	WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.
Improper use of your report	I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
Account opening, closing, or management	bank of america is refusing to disclose how many fees charged my account. over {$500.00} since XX/XX/2015. in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch
Disclosure verification of debt	The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.
Incorrect information on your report	I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!
Dealing with my lender or servicer	Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.
Incorrect information on credit report	The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment
Other	A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.
Improper use of your report	Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.
Loan modification,collection,foreclosure	Servicer will not review for a modification. Nor review for HAMP since borrower income has increased. A modification was approve 2 years ago but payment was too high. The borrower requested an appeal but never heard back from anyone.
Disclosure verification of debt	Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.
Incorrect information on credit report	The company said they would remove the negative credit information from my report and it never happened.
Loan servicing, payments, escrow account	I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon
Cont'd attempts collect debt not owed	I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
Dealing with my lender or servicer	They have increased my interest rates XXXX times since they bought our loans from XXXX. I NEVER agree to ANY rate increases.
Getting a credit card	I pulled my credit report in hopes of making a purchase and realized there were accounts that were opened in my name that I did NOT open! My car was broken into and wallet was stolen, this is a case of fraud and identity theft!
Other features, terms, or problems	XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money

Improper use of your report

transunion and XXXX has not tried to fix my issues even after the police report and idtheft letter cra violation taking more than 30 days to fix the security breach that equifax has cause me to lose time from work also my life with credit issues

Disclosure verification of debt

Portfolio recovery placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.

Application, originator, mortgage broker

I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file

Charged fees or interest I didn't expect

I was n't not informed by Big Picture Loans of the 614.736 annual rate. I borrowed {$500.00} and was told I would have to pay {$120.00} in interest. I did not know the {$500.00} loan would cost me {$1900.00} totaling {$2400.00} for the entire loan. I have currently made XXXX payments totaling XXXX.

Communication tactics

XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.

Incorrect information on credit report

Experian has an incorrect name and incorrect addresses listed on my credit report and thy need to update my current address.

Communication tactics

I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me

Improper use of your report

My financial information has been identified as being part of the data hacked from Equifax.

Disclosure verification of debt

On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Shopping for a loan or lease

Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.

Dealing with your lender or servicer

This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.

Cont'd attempts collect debt not owed

I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine

Cont'd attempts collect debt not owed

I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..

Managing the loan or lease

I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. Is n't this usury? Should n't consumers be protected?

Communication tactics

This company calls anytime of the day or night. I have asked them to not call after business hours or on the weekends, they continues to do so.

Identity theft / Fraud / Embezzlement

I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.

Incorrect information on credit report

I have contacted Equifax on multiple occasions about the removal of a tax lien from my credit report. After conversations with XXXX Equifax representatives I was told the lein wo n't be removed for 7-10 years, even though I have my form XXXX form the IRS that has released and withdrawn my leins. After being told even if I submit the forms that wo n't change anything, I decided to contact the CFPB because this does n't seem fair or correct.

Credit reporting company's investigation

I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.

Other features, terms, or problems

Amazon.com store card blocks access to 3rd party finance management apps ( XXXX, XXXX, etc. ).

Credit reporting company's investigation

These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.

Credit reporting company's investigation

I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. I am attaching in this file all my filing. thank youXXXX

Cont'd attempts collect debt not owed

We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.

Improper contact or sharing of info

This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.

Dealing with my lender or servicer

I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.

Credit monitoring or identity theft protection services

This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

APR or interest rate

i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.

Attempts to collect debt not owed

Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida

Credit card protection / Debt protection

My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.

Identity theft / Fraud / Embezzlement

My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.

Communication tactics

I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

Loan modification,collection,foreclosure

Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.

Incorrect information on your report

Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.

Applying for a mortgage or refinancing an existing mortgage

I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.

Cont'd attempts collect debt not owed

Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.

Managing the loan or lease

I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. XXXX ),

Problem with fraud alerts or security freezes

Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. ( see attached )

Disclosure verification of debt

XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references

Dealing with my lender or servicer

My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.

Improper use of your report

Equifax security breach. Credit has been compromised

Closing an account

I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?

Late fee

My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.

Incorrect information on credit report

I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me

Cont'd attempts collect debt not owed

I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that number. I know I do not owe any debt.

Communication tactics

I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.

Making/receiving payments, sending money

So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?

Communication tactics

These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.

Deposits and withdrawals

Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.

Other

The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.

Dealing with your lender or servicer

Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.

Incorrect information on credit report

There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.

Cont'd attempts collect debt not owed

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Written notification about debt

CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.

Disclosure verification of debt

In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.

Billing disputes

The below disputed charge from XXXX was rebilled to mystatement. Can you please let me know why this disputed charge hasbeen rebilled again.

Cont'd attempts collect debt not owed

I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.

Getting a loan

XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.

Credit decision / Underwriting

I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!

Incorrect information on credit report

1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine

Using a debit or ATM card

My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.

Incorrect information on your report

Equifax has not updated all my accounts, XXXX XXXX has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX and reports on the XXXX of each month. I have a XXXX balance on the account and by reporting the high balance, this is hurting my credit utilization. XXXX XXXX confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Improper use of your report

XXXX XXXX XXXX XXXX ran my credit with out my permission

Incorrect information on credit report

experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.

False statements or representation

XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.

Struggling to pay your loan

I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.

Getting a loan

My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report.

Incorrect information on credit report

Most recent address shows XXXX and I have never lived in XXXX.

Incorrect information on credit report

Experian allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Improper use of my credit report

Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.

Incorrect information on credit report

I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.

Incorrect information on credit report

XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX

Improper use of your report

I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!

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 which seemed to initially happen back in late XXXX of 2017. 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 that my data was likely stolen

Loan servicing, payments, escrow account

I filed for Bankruptcy Protection and the bank still foreclosed on my home!

Loan servicing, payments, escrow account

Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.

Incorrect information on credit report

Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.

Disclosure verification of debt

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Taking/threatening an illegal action

I was making my payments on time, I used to make payments in person, one day I went they had close the building And I went online and the website was close, I had no way of communicating with them, after 3 years I started getting phone calls, I already had lost my job but I could n't contact with Famsa I checked every way to contact them they all showed that they violated and had to close all XXXX in California.

Problem when making payments

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Incorrect information on your report

I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.

Problem with fraud alerts or security freezes

My identity was stolen as a result of the XXXX data breach of XXXX. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian. I will not pay any fees associated with this request nor engage in any cumbersome process. If Experian wishes to bill someone for the service they should bill XXXX

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

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

Identity theft / Fraud / Embezzlement

Dillards account was opened without my knowledge.

Communication tactics

This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.

Loan servicing, payments, escrow account

WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.

Improper use of your report

I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Account opening, closing, or management

bank of america is refusing to disclose how many fees charged my account. over {$500.00} since XX/XX/2015. in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch

Disclosure verification of debt

The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.

Incorrect information on your report

I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!

Dealing with my lender or servicer

Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.

Incorrect information on credit report

The credit report refused to do their duty under the law so I involved the FTC and the Police Deprtment

Other

A Bonus Award night benefit exclusively for card members was removed from the XXXX XXXX XXXX card. When I contacted them, regarding the issue they said that the annual fee could not be refunded and offered me measly XXXX points.

Improper use of your report

Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.

Loan modification,collection,foreclosure

Servicer will not review for a modification. Nor review for HAMP since borrower income has increased. A modification was approve 2 years ago but payment was too high. The borrower requested an appeal but never heard back from anyone.

Disclosure verification of debt

Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.

Incorrect information on credit report

The company said they would remove the negative credit information from my report and it never happened.

Loan servicing, payments, escrow account

I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon

Cont'd attempts collect debt not owed

I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.

Dealing with my lender or servicer

They have increased my interest rates XXXX times since they bought our loans from XXXX. I NEVER agree to ANY rate increases.

Getting a credit card

I pulled my credit report in hopes of making a purchase and realized there were accounts that were opened in my name that I did NOT open! My car was broken into and wallet was stolen, this is a case of fraud and identity theft!

Other features, terms, or problems

XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money