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	Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. Thanks you.
Improper use of your report	Equifax disregarded established and respected security principles in their handling and storage of my sensitive, personal data, and in doing so created a potential for risk which was not authorized by myself as a consumer in any fashion. As a result, the private, identifying information of myself and millions of other Americans has been made available without my consent, and may potentially have long-standing financial repercussions.
Incorrect information on your report	Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information
False statements or representation	XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. I paid them by check the remainded balance for copayment. Now they send me into Collection Agency ( Central Financial Contro ). I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).
Credit reporting company's investigation	Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!
Improper use of your report	Many inquiries on my credit report that were not authorized.
Cont'd attempts collect debt not owed	I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me
Rewards	I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.
Unable to get credit report/credit score	When asked to verify my identity with various questions, the questions were not correct and the answers I gave were not correct although I know them to be the correct answers to questions asked. I therefore can not have my identity verified nor receive my credit reports.
Loan servicing, payments, escrow account	I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.
Improper use of your report	I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach
Problem with a credit reporting company's investigation into an existing problem	Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
Loan servicing, payments, escrow account	My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.
Loan servicing, payments, escrow account	Nationstar is not applying my XXXX payment to my account.
Closing/Cancelling account	I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card
Incorrect information on your report	equifax violates my right XXXX XXXX XXXX inaccurate information on my report
Dealing with my lender or servicer	I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.
Attempts to collect debt not owed	There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.
Loan servicing, payments, escrow account	OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. The full text of my complaints are in the attqached documents.
Cont'd attempts collect debt not owed	We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.
False statements or representation	I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they
False statements or representation	Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.
Communication tactics	This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.
Improper use of your report	I continue to get inquires for credit I did not make.
Problem with the payoff process at the end of the loan	-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the
Incorrect information on your report	My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.
Improper use of your report	Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life
Loan modification,collection,foreclosure	My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around
Loan servicing, payments, escrow account	I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.
Communication tactics	This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.
Incorrect information on credit report	Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX
Credit reporting company's investigation	XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. Please change my address and remove the Fraud alerts from my profile. Please review my credit score it is incorrect. Thanks XXXX XXXX
Disclosure verification of debt	Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.
Incorrect information on your report	I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Dealing with my lender or servicer	I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. I attended XXXX University XXXX
Cont'd attempts collect debt not owed	I am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.
Incorrect information on credit report	The bankruptcy is support to be taken off within 10 years. Why is it still showing?
Loan modification,collection,foreclosure	In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.
Dealing with my lender or servicer	I made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.
APR or interest rate	I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.
Cont'd attempts collect debt not owed	XXXX I sent a certified letter to Vision Financial Services disputing the Debt and requesting validation of the alleged debt. No follow up has been received. On XXXX/XXXX/XXXX I received notice they have reported this on my credit report with out validating the debt as requested. In my detailed dispute of the debt I made it clear all collection activity including reporting to the credit bureaus must stop until the debt has been properly validated.
Problems when you are unable to pay	Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.
Other features, terms, or problems	On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. On XXXX XXXX, XXXX, I applied the card via referral link and approved. I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.
Money was not available when promised	I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.
Written notification about debt	ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.
Improper use of your report	Their customer service would not help and take care of the negative inquiries reporting on my credit report
Problem with a credit reporting company's investigation into an existing problem	A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.
Incorrect information on your report	report incorrect debts on my report and refuse to take accounts off
Incorrect information on credit report	A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to me.
Incorrect information on your report	Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards
Incorrect information on credit report	ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE
Managing an account	A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened
Billing statement	An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.
Incorrect information on credit report	Requested Equifax to remove accounts past 7 years per law and they refused.
Improper use of your report	The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history
Delinquent account	i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy
Disclosure verification of debt	I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.
Took or threatened to take negative or legal action	On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the SOL for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. I will be filing a objection with the state as soon as I receive their notification in the mail.
Incorrect information on credit report	While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.
Application, originator, mortgage broker	The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.
Problem with a credit reporting company's investigation into an existing problem	There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.
Incorrect information on your report	I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.
Incorrect information on credit report	The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Unable to get credit report/credit score	i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.
Fees or interest	Citi is charging me a XXXX annual fee plus interest on a card that I closed.
Problem with a credit reporting company's investigation into an existing problem	About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?
Incorrect information on your report	please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Improper use of your report	XXXX appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my XXXX credit-report.
Improper contact or sharing of info	I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
Improper use of your report	On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.
Loan modification,collection,foreclosure	I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.
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.
Cont'd attempts collect debt not owed	This debt NEVER existed. This is NOT a debt. This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! I have been harassed by several collection agencies since 2010! This has to STOP!!! I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.
Advertising and marketing, including promotional offers	Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.
Deposits and withdrawals	On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.
Incorrect information on your report	I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
Other	Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. Sincerely, XXXX XXXX XXXX/XXXX/2016
Loan modification,collection,foreclosure	My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.
Written notification about debt	This debt is a MEDICAL DEBT COLLECTION. This should be removed from my credit report immediately.XXXX XXXX XXXX - XX/XX/2017 - age: 5 months.
Incorrect information on credit report	The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.
Loan modification,collection,foreclosure	I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.
Loan servicing, payments, escrow account	We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. This is just to initiate the complaint and I can give more information later. Thank you.
Communication tactics	My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.
Incorrect information on your report	In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.
Account opening, closing, or management	Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.
Incorrect information on your report	I am a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.
Unable to get credit report/credit score	I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.
Trouble during payment process	I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Credit reporting company's investigation	Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX
Application, originator, mortgage broker	I did not receive promised lender credit.
Problem with a credit reporting company's investigation into an existing problem	Credit Reporting agency has been reporting a debt collector named XXXX XXXX XXXX XXXX , 2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.
Incorrect information on credit report	This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.
Cont'd attempts collect debt not owed	still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score
Communication tactics	Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.
Can't contact lender	I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.
Improper use of your report	There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.
Improper use of your report	Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Taking/threatening an illegal action	My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.
Incorrect information on your report	I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!
Incorrect information on your report	There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.

Cont'd attempts collect debt not owed

Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. Thanks you.

Improper use of your report

Equifax disregarded established and respected security principles in their handling and storage of my sensitive, personal data, and in doing so created a potential for risk which was not authorized by myself as a consumer in any fashion. As a result, the private, identifying information of myself and millions of other Americans has been made available without my consent, and may potentially have long-standing financial repercussions.

Incorrect information on your report

Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information

False statements or representation

XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. I paid them by check the remainded balance for copayment. Now they send me into Collection Agency ( Central Financial Contro ). I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).

Credit reporting company's investigation

Disputed some information, I received a letter from the creditor saying they did not have enough information to investigate ( should have been provided by Experian ). I re disputed and ask why they were not providing information to creditor. I received a letter from creditor that I had notified Experian of fraudulent activity ( I never did ) now my credit card is on hold till I prove to them who I am!

Improper use of your report

Many inquiries on my credit report that were not authorized.

Cont'd attempts collect debt not owed

I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me

Rewards

I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.

Unable to get credit report/credit score

When asked to verify my identity with various questions, the questions were not correct and the answers I gave were not correct although I know them to be the correct answers to questions asked. I therefore can not have my identity verified nor receive my credit reports.

Loan servicing, payments, escrow account

I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.

Improper use of your report

I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach

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

Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.

Loan servicing, payments, escrow account

My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.

Loan servicing, payments, escrow account

Nationstar is not applying my XXXX payment to my account.

Closing/Cancelling account

I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card

Incorrect information on your report

equifax violates my right XXXX XXXX XXXX inaccurate information on my report

Dealing with my lender or servicer

I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me.

Attempts to collect debt not owed

There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

Loan servicing, payments, escrow account

OCWEN Loan Servicing , LLC ( " OCWEN '' ) was given written notice of demand for a Beneficiary Statement pursuant to Cal. Civil Code 2943 ( a ) ( 1 ), ( 2 ) ( A ). Such notice was received by the Company by certified mail on or about XXXX XXXX, 2015 and was signed for by Company agent/employee. OCWEN has failed to comply with the beneficiary statement request. The full text of my complaints are in the attqached documents.

Cont'd attempts collect debt not owed

We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.

False statements or representation

I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they

False statements or representation

Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.

Communication tactics

This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.

Improper use of your report

I continue to get inquires for credit I did not make.

Problem with the payoff process at the end of the loan

-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the

Incorrect information on your report

My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.

Improper use of your report

Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life

Loan modification,collection,foreclosure

My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around

Loan servicing, payments, escrow account

I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.

Communication tactics

This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.

Incorrect information on credit report

Incorrect address on my Equifax credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX

Credit reporting company's investigation

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. Please change my address and remove the Fraud alerts from my profile. Please review my credit score it is incorrect. Thanks XXXX XXXX

Disclosure verification of debt

Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.

Incorrect information on your report

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Dealing with my lender or servicer

I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. I attended XXXX University XXXX

Cont'd attempts collect debt not owed

I am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.

Incorrect information on credit report

The bankruptcy is support to be taken off within 10 years. Why is it still showing?

Loan modification,collection,foreclosure

In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.

Dealing with my lender or servicer

I made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.

APR or interest rate

I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.

Cont'd attempts collect debt not owed

XXXX I sent a certified letter to Vision Financial Services disputing the Debt and requesting validation of the alleged debt. No follow up has been received. On XXXX/XXXX/XXXX I received notice they have reported this on my credit report with out validating the debt as requested. In my detailed dispute of the debt I made it clear all collection activity including reporting to the credit bureaus must stop until the debt has been properly validated.

Problems when you are unable to pay

Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.

Other features, terms, or problems

On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. On XXXX XXXX, XXXX, I applied the card via referral link and approved. I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.

Money was not available when promised

I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.

Written notification about debt

ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Improper use of your report

Their customer service would not help and take care of the negative inquiries reporting on my credit report

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

A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.

Incorrect information on your report

report incorrect debts on my report and refuse to take accounts off

Incorrect information on credit report

A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to me.

Incorrect information on your report

Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards

Incorrect information on credit report

ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE

Managing an account

A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened

Billing statement

An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.

Incorrect information on credit report

Requested Equifax to remove accounts past 7 years per law and they refused.

Improper use of your report

The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history

Delinquent account

i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy

Disclosure verification of debt

I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.

Took or threatened to take negative or legal action

On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the SOL for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. I will be filing a objection with the state as soon as I receive their notification in the mail.

Incorrect information on credit report

While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Application, originator, mortgage broker

The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.

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

There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.

Incorrect information on your report

I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.

Incorrect information on credit report

The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.

Unable to get credit report/credit score

i was issued a new SSN and done my best to update all credit agency so they are reporting my correct credit score. I currently have a XXXX - XXXX between XXXX and XXXX but not Equifax which is reporting XXXX. I have n't had much look changing my information so Equifax can properly report my score.

Fees or interest

Citi is charging me a XXXX annual fee plus interest on a card that I closed.

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

About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?

Incorrect information on your report

please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you

Improper use of your report

XXXX appears on my credit-report ; Requesting the inquiry be deleted. Already removed from my XXXX credit-report.

Improper contact or sharing of info

I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Improper use of your report

On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.

Loan modification,collection,foreclosure

I am trying to modify the loan on my grandmothers home which I am the executor of the estate. I have not received any answers regarding the mortgage loan on my property.

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.

Cont'd attempts collect debt not owed

This debt NEVER existed. This is NOT a debt. This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! I have been harassed by several collection agencies since 2010! This has to STOP!!! I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.

Advertising and marketing, including promotional offers

Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.

Deposits and withdrawals

On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.

Incorrect information on your report

I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.

Other

Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. Sincerely, XXXX XXXX XXXX/XXXX/2016

Loan modification,collection,foreclosure

My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.

Written notification about debt

This debt is a MEDICAL DEBT COLLECTION. This should be removed from my credit report immediately.XXXX XXXX XXXX - XX/XX/2017 - age: 5 months.

Incorrect information on credit report

The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.

Loan modification,collection,foreclosure

I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.

Loan servicing, payments, escrow account

We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. This is just to initiate the complaint and I can give more information later. Thank you.

Communication tactics

My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.

Incorrect information on your report

In the Collections section on my credit report from Equifax dated XX/XX/2017 it shows I have two collections from the same company, which is the exactly same account.

Account opening, closing, or management

Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.

Incorrect information on your report

I am a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.

Unable to get credit report/credit score

I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.

Trouble during payment process

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Credit reporting company's investigation

Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX

Application, originator, mortgage broker

I did not receive promised lender credit.

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

Credit Reporting agency has been reporting a debt collector named XXXX XXXX XXXX XXXX , 2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

Incorrect information on credit report

This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.

Cont'd attempts collect debt not owed

still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score

Communication tactics

Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.

Can't contact lender

I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.

Improper use of your report

There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.

Improper use of your report

Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Taking/threatening an illegal action

My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.

Incorrect information on your report

I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!

Incorrect information on your report

There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.