determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan servicing, payments, escrow account	Nationstar said i owe for payments i clearly made
Improper use of your report	I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. XXXX XXXX
Dealing with my lender or servicer	I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.
Attempts to collect debt not owed	This company reported a debt which I have not owed anyone for past 7-8 years this is inaccurate and false information please remove
Using a debit or ATM card	I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.
Communication tactics	They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.
Cont'd attempts collect debt not owed	I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Incorrect information on credit report	These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record XXXX.
Incorrect information on your report	Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.
Cont'd attempts collect debt not owed	They sent me a report/letter that said they were collecting {$4200.00} from XXXX XXXX Private Label, which is not true. I 've never heard of this company and do not owe this money. I have exemplary credit and even checked my credit report to make sure and this is not on there.
Problem with a credit reporting company's investigation into an existing problem	I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
Incorrect information on your report	They put a fraudulent item on my credit report that does not belong to me.
Attempts to collect debt not owed	This account was unauthorized. I am a victim of identity theft.
Taking out the loan or lease	I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.
Disclosure verification of debt	Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.
Incorrect information on credit report	The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off
Struggling to pay mortgage	Bayview Loan Servicing LLC has violated Bankruptcy Law and State and Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.
Credit reporting company's investigation	My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.
Disclosure verification of debt	I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.
Improper use of your report	Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Loan servicing, payments, escrow account	My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.
Attempts to collect debt not owed	I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.
Cont'd attempts collect debt not owed	Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.
Incorrect information on credit report	I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.
Cont'd attempts collect debt not owed	Continuous attempts to collect an unverified debt after agreeing to remove from credit report.
Other	Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
Dealing with my lender or servicer	Repayment plan increased my payment
Managing an account	According to the Overdraft Protection Law as of XXXX XXXX , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.
Taking/threatening an illegal action	I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.
Other features, terms, or problems	I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. In addition, we verified my XXXX account is correct.
Improper use of your report	Equifax let someone steal my SSN, address, name, and other personal information.
Improper contact or sharing of info	They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015
Incorrect information on your report	Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Incorrect information on credit report	Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.
Trouble during payment process	I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.
Problem with a lender or other company charging your account	Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.
Credit reporting company's investigation	Being a XXXX man I pay all my bills on time and have no bad lien against me and trans union kept giving me poor credit score.
Deposits and withdrawals	CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.
Attempts to collect debt not owed	I had a settlement agreement with Northland Group # XXXX , ( A XXXX XXXX account # XXXX ) I paid my debt and have cancel checks, and numerous of times since XXXX 2015 have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
Incorrect information on your report	I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
Loan servicing, payments, escrow account	I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.
Application, originator, mortgage broker	Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from
Incorrect information on your report	I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Incorrect information on your report	I have hard inquiries on my report that are not mine.
Money was not available when promised	Im trying to authorize purchases from XXXX and td bank is not allowing it
Written notification about debt	Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.
Credit reporting company's investigation	The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.
Incorrect information on your report	XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX
Cont'd attempts collect debt not owed	Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.
Taking out the loan or lease	I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.
Identity theft / Fraud / Embezzlement	Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.
Account opening, closing, or management	i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.
Written notification about debt	On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.
Improper use of your report	I called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed
Closing your account	Capital one closed my 2 credits cards because of a return payment that was a mistake
Managing the loan or lease	my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.
Credit reporting company's investigation	the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.
Communication tactics	XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.
Incorrect information on your report	I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years now that it does not belong to me!
Incorrect information on your report	disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.
Identity theft / Fraud / Embezzlement	While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.
Cont'd attempts collect debt not owed	SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? If yes From who?
Improper use of your report	Ive contacted the companies and tried to resolve the matter still nothing
Problem with a lender or other company charging your account	A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Communication tactics	Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.
Communication tactics	Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.
Billing disputes	I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.
Payoff process	I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?
Incorrect information on your report	XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Incorrect information on credit report	I do not have a XXXX XXXX credit card account, please remove this mistake
Problem with a credit reporting company's investigation into an existing problem	There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Incorrect information on your report	I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.
Account opening, closing, or management	I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.
Improper use of your report	Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these
Problem when making payments	The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.
Cont'd attempts collect debt not owed	Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.
Trouble during payment process	I am not receiving a monthly mortgage statement from Franklin Credit.
Problem with a purchase shown on your statement	complaint is the exact same thing as my original complaint # XXXX and complaint # XXXX
Billing disputes	I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.
Problem with fraud alerts or security freezes	Equifax has admitted my information was stolen.
Loan modification,collection,foreclosure	I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.
Cont'd attempts collect debt not owed	A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. They said that the credit companies would be notified.
Loan servicing, payments, escrow account	I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!
Incorrect information on your report	XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.
Settlement process and costs	I have been trying to get a loan payoff on my loan for almost a month now. I was told again that I would have it by today, Friday XXXX/XXXX/2016. I understand that I have not made payments however I am trying to settle the account on the sale of the home.
Problems caused by my funds being low	I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.
Disclosure verification of debt	Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.
Incorrect information on your report	I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Attempts to collect debt not owed	On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.
Incorrect information on your report	Experian will not remove an old entry from 2009 on my credit report. The account is a charge of from XXXX XXXX ( ACT XXXX .... ) This is long past the 7 year reporting period, and the other bureaus have already removed it.
Improper use of your report	XXXX XXXX XXXX performed an unauthorized hard inquiry on my credit report.
Account opening, closing, or management	I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.
Managing an account	Wells Fargo is not sending my information to the company XXXX XXXX for me to use in a timely manner.
Incorrect information on credit report	Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Unable to get your credit report or credit score	I 'm in the process of purchasing a home and Equifax has not updated my information on my credit report.
Cont'd attempts collect debt not owed	For the Suburban Corporation Miss billing issue I was charged and probably should have went through XXXX online collections XXXX this issue was resolved company agreed to remove from report already from XXXX still showing on XXXX and XXXX
Took or threatened to take negative or legal action	The collection agency is not licensed to collect in the state of NC.
Disclosure verification of debt	I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.
Billing disputes	my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.

Loan servicing, payments, escrow account

Nationstar said i owe for payments i clearly made

Improper use of your report

I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. XXXX XXXX

Dealing with my lender or servicer

I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.

Attempts to collect debt not owed

This company reported a debt which I have not owed anyone for past 7-8 years this is inaccurate and false information please remove

Using a debit or ATM card

I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.

Communication tactics

They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Cont'd attempts collect debt not owed

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Incorrect information on credit report

These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record XXXX.

Incorrect information on your report

Equifax took my previous address from 2013 and made it my current address, my current address is now showing up as a previous address, I 'm trying to refinance my mortgage and it is creating a huge problem. I tried the online dispute form and it stated my information does not match, I tried calling, was sent to XXXX where they explain I needed to use the online form.

Cont'd attempts collect debt not owed

They sent me a report/letter that said they were collecting {$4200.00} from XXXX XXXX Private Label, which is not true. I 've never heard of this company and do not owe this money. I have exemplary credit and even checked my credit report to make sure and this is not on there.

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

I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

Incorrect information on your report

They put a fraudulent item on my credit report that does not belong to me.

Attempts to collect debt not owed

This account was unauthorized. I am a victim of identity theft.

Taking out the loan or lease

I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.

Disclosure verification of debt

Approximately a year ago I disputed a collection from Hunter Warfield that was appearing on my credit reports. After the investigation period the item was removed from all credit reports but recently have been reinserted within this past month. I did not receive notice that the account was being added again within the 5 day period or at all for that matter.

Incorrect information on credit report

The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off

Struggling to pay mortgage

Bayview Loan Servicing LLC has violated Bankruptcy Law and State and Federal laws by trying to foreclose on our home. XXXX XXXX XXXX has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer XXXX XXXX XXXX developed a scheme and transferred loan to Bayview Loan Servicing to cover up Bankruptcy Law violations.

Credit reporting company's investigation

My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.

Disclosure verification of debt

I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.

Improper use of your report

Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report

Loan servicing, payments, escrow account

My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.

Attempts to collect debt not owed

I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.

Cont'd attempts collect debt not owed

Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.

Incorrect information on credit report

I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.

Cont'd attempts collect debt not owed

Continuous attempts to collect an unverified debt after agreeing to remove from credit report.

Other

Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.

Dealing with my lender or servicer

Repayment plan increased my payment

Managing an account

According to the Overdraft Protection Law as of XXXX XXXX , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.

Taking/threatening an illegal action

I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.

Other features, terms, or problems

I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. In addition, we verified my XXXX account is correct.

Improper use of your report

Equifax let someone steal my SSN, address, name, and other personal information.

Improper contact or sharing of info

They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015

Incorrect information on your report

Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this

Incorrect information on credit report

Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.

Trouble during payment process

I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.

Problem with a lender or other company charging your account

Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.

Credit reporting company's investigation

Being a XXXX man I pay all my bills on time and have no bad lien against me and trans union kept giving me poor credit score.

Deposits and withdrawals

CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.

Attempts to collect debt not owed

I had a settlement agreement with Northland Group # XXXX , ( A XXXX XXXX account # XXXX ) I paid my debt and have cancel checks, and numerous of times since XXXX 2015 have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.

Incorrect information on your report

I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

Loan servicing, payments, escrow account

I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.

Application, originator, mortgage broker

Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from

Incorrect information on your report

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Incorrect information on your report

I have hard inquiries on my report that are not mine.

Money was not available when promised

Im trying to authorize purchases from XXXX and td bank is not allowing it

Written notification about debt

Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.

Credit reporting company's investigation

The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.

Incorrect information on your report

XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX

Cont'd attempts collect debt not owed

Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.

Taking out the loan or lease

I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.

Identity theft / Fraud / Embezzlement

Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.

Account opening, closing, or management

i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.

Written notification about debt

On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.

Improper use of your report

I called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed

Closing your account

Capital one closed my 2 credits cards because of a return payment that was a mistake

Managing the loan or lease

my car was financed with bank of the west and i totaled my car but i took out gap insurance with the purchase with XXXX., but they want a payment history and bank of the west stated that they would fax to them so that the balance of the loan could be paid off but instead they are sending me a payment history which i already have from the checks that i sent bank of the west they are just trying to delay the process of get the loan paid off.

Credit reporting company's investigation

the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.

Communication tactics

XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.

Incorrect information on your report

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years now that it does not belong to me!

Incorrect information on your report

disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.

Identity theft / Fraud / Embezzlement

While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.

Cont'd attempts collect debt not owed

SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? If yes From who?

Improper use of your report

Ive contacted the companies and tried to resolve the matter still nothing

Problem with a lender or other company charging your account

A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Communication tactics

Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.

Communication tactics

Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.

Billing disputes

I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.

Payoff process

I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?

Incorrect information on your report

XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.

Incorrect information on credit report

I do not have a XXXX XXXX credit card account, please remove this mistake

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

There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Incorrect information on your report

I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.

Account opening, closing, or management

I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.

Improper use of your report

Craccept/cac XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never authorized any of these

Problem when making payments

The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.

Cont'd attempts collect debt not owed

Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.

Trouble during payment process

I am not receiving a monthly mortgage statement from Franklin Credit.

Problem with a purchase shown on your statement

complaint is the exact same thing as my original complaint # XXXX and complaint # XXXX

Billing disputes

I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.

Problem with fraud alerts or security freezes

Equifax has admitted my information was stolen.

Loan modification,collection,foreclosure

I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.

Cont'd attempts collect debt not owed

A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. They said that the credit companies would be notified.

Loan servicing, payments, escrow account

I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!

Incorrect information on your report

XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.

Settlement process and costs

I have been trying to get a loan payoff on my loan for almost a month now. I was told again that I would have it by today, Friday XXXX/XXXX/2016. I understand that I have not made payments however I am trying to settle the account on the sale of the home.

Problems caused by my funds being low

I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.

Disclosure verification of debt

Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.

Incorrect information on your report

I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

Attempts to collect debt not owed

On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.

Incorrect information on your report

Experian will not remove an old entry from 2009 on my credit report. The account is a charge of from XXXX XXXX ( ACT XXXX .... ) This is long past the 7 year reporting period, and the other bureaus have already removed it.

Improper use of your report

XXXX XXXX XXXX performed an unauthorized hard inquiry on my credit report.

Account opening, closing, or management

I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.

Managing an account

Wells Fargo is not sending my information to the company XXXX XXXX for me to use in a timely manner.

Incorrect information on credit report

Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Unable to get your credit report or credit score

I 'm in the process of purchasing a home and Equifax has not updated my information on my credit report.

Cont'd attempts collect debt not owed

For the Suburban Corporation Miss billing issue I was charged and probably should have went through XXXX online collections XXXX this issue was resolved company agreed to remove from report already from XXXX still showing on XXXX and XXXX

Took or threatened to take negative or legal action

The collection agency is not licensed to collect in the state of NC.

Disclosure verification of debt

I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.

Billing disputes

my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.