determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Attempts to collect debt not owed	this debt was paid in full but is still being reported as a collection and a late payment
Managing an account	My Bank over charge me twice for Overdraft fee which is not right.
Account opening, closing, or management	My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.
Incorrect information on your report	They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!
Incorrect information on credit report	I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed
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.
Improper use of your report	XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.
Problem with a credit reporting company's investigation into an existing problem	Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.
Improper contact or sharing of info	ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX , XXXX 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.
Attempts to collect debt not owed	This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks
Cont'd attempts collect debt not owed	TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE
Cont'd attempts collect debt not owed	I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.
Incorrect information on credit report	I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.
Identity theft / Fraud / Embezzlement	I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.
Communication tactics	ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.
Struggling to repay your loan	Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.
Cont'd attempts collect debt not owed	I filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house
Loan modification,collection,foreclosure	Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. I would like my mortgage to be reconsidered for loan modification.
Took or threatened to take negative or legal action	Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
Incorrect information on your report	Hi I tried to contact Equifax, XXXX and XXXX. 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
Improper use of your report	I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/XXXX
False statements or representation	I have paid agreed the credit collection agency has not lived up to the promised by XXXX XXXX of removing it from my credit report they said they would notify the credit bureaus XXXX XXXX and XXXX to have it removed from my credit report they have not done so.
Incorrect information on credit report	All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX
Loan servicing, payments, escrow account	Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee
Incorrect information on your report	I am writing to dispute XXXX XXXX XXXX on credit r eport number XXXX . The balance listed on the account is incorrect. Please delete the account.
Incorrect information on your report	EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.
Deposits and withdrawals	Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue
False statements or representation	I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. XXXX claims that XXXX never took responsibility for payment on his behalf. Please, advice what I can do.
Billing statement	Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.
Cont'd attempts collect debt not owed	This bill was discharged in bankruptcy 2 years ago
Unable to get credit report/credit score	they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly
Disclosure verification of debt	Unknown account, never have been notified and again unknown.
Cont'd attempts collect debt not owed	We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
Incorrect information on your report	I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Communication tactics	This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately
Cont'd attempts collect debt not owed	Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. That payment was make it XX/XX/2014.
Can't repay my loan	I 've never been approached with any options to lower my payments or interest rate.
Incorrect information on your report	I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Problem with a credit reporting company's investigation into an existing problem	I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Cont'd attempts collect debt not owed	I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.
Written notification about debt	I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.
Using a debit or ATM card	Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.
Communication tactics	I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.
Managing the loan or lease	I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.
Cont'd attempts collect debt not owed	They sending a bill i dont owe at all, they just post it on my 3 credit report
Incorrect information on credit report	Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.
Incorrect information on your report	I have hard inquiries that I never had authorized..
Incorrect information on credit report	SOMEONE USE MY INFORMATION. THIS ISNT MY ACCOUNT.
Cont'd attempts collect debt not owed	Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.
Incorrect information on credit report	Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.
Credit reporting company's investigation	On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.
Cont'd attempts collect debt not owed	Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.
Problem with a credit reporting company's investigation into an existing problem	After previous disputes I was able to get XXXX XXXX and XXXX XXXX off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report XXXX XXXX has n't reported since XXXX XXXX they were removed XXXX XXXX . XXXX was removed in XXXX XXXX .
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.
Attempts to collect debt not owed	I requested validation of the debt Capstone Credit Services Inc say I owe on XXXX XXXX XXXX .
Dealing with my lender or servicer	I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!
Managing an account	On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.
Dealing with my lender or servicer	First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.
Incorrect information on credit report	Experian keeps renewing a negative item
Improper use of your report	On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.
Incorrect information on your report	I have XXXX hard inquiries from finger hut that I never had anything to do with
Improper use of your report	I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.
Payoff process	multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )
Unsolicited issuance of credit card	XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )
Problem with a credit reporting company's investigation into an existing problem	I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Problems when you are unable to pay	My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.
Cont'd attempts collect debt not owed	I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand
Problem with a credit reporting company's investigation into an existing problem	On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report
Incorrect information on credit report	The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.
Incorrect information on credit report	My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!
Attempts to collect debt not owed	I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
Cont'd attempts collect debt not owed	I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.
Loan servicing, payments, escrow account	I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.
Lender repossessed or sold the vehicle	The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.
Communication tactics	I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.
Improper use of your report	I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Improper contact or sharing of info	Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.
Cont'd attempts collect debt not owed	I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.
Incorrect information on credit report	I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.
Credit reporting company's investigation	There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.
Incorrect information on credit report	I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX
Credit monitoring or identity theft protection services	Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.
Identity theft / Fraud / Embezzlement	A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.
Incorrect information on your report	A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Incorrect information on your report	There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX
Disclosure verification of debt	I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
Cont'd attempts collect debt not owed	I never visited the facility on or around this date, I had already moved out of state.
Late fee	A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.
Incorrect information on credit report	XXXX XXXX billed the wrong health card for services rendered. When I contacted them and provided the correct health insurance the situation was resolved. And the bill was paid in full. I have spoke with the collection agency and they assured me they would contact the Biller and remove this from my report.
Loan servicing, payments, escrow account	My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.
Problem with a credit reporting company's investigation into an existing problem	I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.
Money was not available when promised	I tried to transfer funds from a Coinbase/GDAX account and have not received any confirmation nor successful notification of a withdrawal. On XXXX XXXX, 2017, GDAX transferred funds using an ACH transfer to a XXXX XXXX XXXX account.I've contacted them twice through their support system, but there's been XXXX response or acknowledgement of my issue.
Incorrect information on your report	Got a credit report from XXXX where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.
False statements or representation	Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.
Managing an account	The transactions are not in order and some are not processed immediately unlike others and it seems weird.
Cont'd attempts collect debt not owed	I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone
Improper use of your report	It was reported that Equifax breached confidential information of its customers because of a hack to their database. On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.
Incorrect information on credit report	Equifax add a previous deleted creditor back onto my equifax credit report creditor name XXXX I also attached a recent equifax credit reported they just mailed to me and XXXX is no longer on my report
Incorrect information on your report	XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

Attempts to collect debt not owed

this debt was paid in full but is still being reported as a collection and a late payment

Managing an account

My Bank over charge me twice for Overdraft fee which is not right.

Account opening, closing, or management

My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.

Incorrect information on your report

They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!

Incorrect information on credit report

I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed

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.

Improper use of your report

XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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

Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.

Improper contact or sharing of info

ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.

Problem when making payments

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX , XXXX 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.

Attempts to collect debt not owed

This company does not report to all credit bureaus that debts hv been paid, They reported that i paid my debt to XXXX XXXX XXXX XXXX XXXX to XXXX but refuse to send the information to XXXX. Capio partners XXXX file id XXXX original account # XXXX paid XXXX to XXXX XXXX for services XX/XX/2012. Thanks

Cont'd attempts collect debt not owed

TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE

Cont'd attempts collect debt not owed

I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.

Incorrect information on credit report

I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.

Identity theft / Fraud / Embezzlement

I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.

Communication tactics

ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.

Struggling to repay your loan

Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.

Cont'd attempts collect debt not owed

I filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house

Loan modification,collection,foreclosure

Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. I would like my mortgage to be reconsidered for loan modification.

Took or threatened to take negative or legal action

Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.

Incorrect information on your report

Hi I tried to contact Equifax, XXXX and XXXX. 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

Improper use of your report

I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/XXXX

False statements or representation

I have paid agreed the credit collection agency has not lived up to the promised by XXXX XXXX of removing it from my credit report they said they would notify the credit bureaus XXXX XXXX and XXXX to have it removed from my credit report they have not done so.

Incorrect information on credit report

All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX

Loan servicing, payments, escrow account

Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee

Incorrect information on your report

I am writing to dispute XXXX XXXX XXXX on credit r eport number XXXX . The balance listed on the account is incorrect. Please delete the account.

Incorrect information on your report

EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.

Deposits and withdrawals

Us bank has been frauding customers for overdraft fees. They are applying overdraft fees without just cause, my account along with several other people are experiencing they same issue

False statements or representation

I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. XXXX claims that XXXX never took responsibility for payment on his behalf. Please, advice what I can do.

Billing statement

Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.

Cont'd attempts collect debt not owed

This bill was discharged in bankruptcy 2 years ago

Unable to get credit report/credit score

they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly

Disclosure verification of debt

Unknown account, never have been notified and again unknown.

Cont'd attempts collect debt not owed

We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.

Incorrect information on your report

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Communication tactics

This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately

Cont'd attempts collect debt not owed

Please I called to lancaste collector and they are n't longer with that account so they gave me the new collector number I contacted that collector make a payment en full he sent me the receipt. Later sent the receipt to credit burrows and they do n't removed from my credit report that account. That payment was make it XX/XX/2014.

Can't repay my loan

I 've never been approached with any options to lower my payments or interest rate.

Incorrect information on your report

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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

I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

Cont'd attempts collect debt not owed

I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.

Written notification about debt

I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.

Using a debit or ATM card

Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.

Communication tactics

I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.

Managing the loan or lease

I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.

Cont'd attempts collect debt not owed

They sending a bill i dont owe at all, they just post it on my 3 credit report

Incorrect information on credit report

Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.

Incorrect information on your report

I have hard inquiries that I never had authorized..

Incorrect information on credit report

SOMEONE USE MY INFORMATION. THIS ISNT MY ACCOUNT.

Cont'd attempts collect debt not owed

Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.

Incorrect information on credit report

Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.

Credit reporting company's investigation

On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.

Cont'd attempts collect debt not owed

Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.

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

After previous disputes I was able to get XXXX XXXX and XXXX XXXX off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report XXXX XXXX has n't reported since XXXX XXXX they were removed XXXX XXXX . XXXX was removed in XXXX XXXX .

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.

Attempts to collect debt not owed

I requested validation of the debt Capstone Credit Services Inc say I owe on XXXX XXXX XXXX .

Dealing with my lender or servicer

I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!

Managing an account

On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.

Dealing with my lender or servicer

First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.

Incorrect information on credit report

Experian keeps renewing a negative item

Improper use of your report

On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.

Incorrect information on your report

I have XXXX hard inquiries from finger hut that I never had anything to do with

Improper use of your report

I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.

Payoff process

multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )

Unsolicited issuance of credit card

XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )

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

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Problems when you are unable to pay

My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.

Cont'd attempts collect debt not owed

I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand

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

On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report

Incorrect information on credit report

The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.

Incorrect information on credit report

My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!

Attempts to collect debt not owed

I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

Cont'd attempts collect debt not owed

I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.

Loan servicing, payments, escrow account

I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.

Lender repossessed or sold the vehicle

The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.

Communication tactics

I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.

Improper use of your report

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Improper contact or sharing of info

Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.

Cont'd attempts collect debt not owed

I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.

Incorrect information on credit report

I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs.

Credit reporting company's investigation

There are XXXX accounts remaining on my credit file that are past the age of 7 to 10 years for reporting. The bureau will not delete these accounts, nor will they furnish me information as to why they are not removing the accounts.

Incorrect information on credit report

I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX

Credit monitoring or identity theft protection services

Experian. Signed up for membership ages ago to check credit. Try to call, but the hold times are enormous. When I do finally get someone they always say they are going to mail me something to verify my address, they never do. This is a scam and they keep charging me.

Identity theft / Fraud / Embezzlement

A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.

Incorrect information on your report

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

Incorrect information on your report

There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Disclosure verification of debt

I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report

Cont'd attempts collect debt not owed

I never visited the facility on or around this date, I had already moved out of state.

Late fee

A inappropriate fee was charged to my account, along with an associated inappropriate interest charge. The credit card company has not responded to, or acknowledged, my dispute of these charges.

Incorrect information on credit report

XXXX XXXX billed the wrong health card for services rendered. When I contacted them and provided the correct health insurance the situation was resolved. And the bill was paid in full. I have spoke with the collection agency and they assured me they would contact the Biller and remove this from my report.

Loan servicing, payments, escrow account

My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.

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

I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

Money was not available when promised

I tried to transfer funds from a Coinbase/GDAX account and have not received any confirmation nor successful notification of a withdrawal. On XXXX XXXX, 2017, GDAX transferred funds using an ACH transfer to a XXXX XXXX XXXX account.I've contacted them twice through their support system, but there's been XXXX response or acknowledgement of my issue.

Incorrect information on your report

Got a credit report from XXXX where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.

False statements or representation

Collection Agency Hayt, Hayt & Landau representing themselves as LAW OFFICES representing XXXX XXXX XXXX Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in XX/XX/XXXX. The company had previously changed names from XXXX to XXXX. I have bank statements showing final payment of {$200.00} in XX/XX/XXXX. No other bills were received after that date because the account was closed at my request in XX/XX/XXXX.

Managing an account

The transactions are not in order and some are not processed immediately unlike others and it seems weird.

Cont'd attempts collect debt not owed

I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone

Improper use of your report

It was reported that Equifax breached confidential information of its customers because of a hack to their database. On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.

Incorrect information on credit report

Equifax add a previous deleted creditor back onto my equifax credit report creditor name XXXX I also attached a recent equifax credit reported they just mailed to me and XXXX is no longer on my report

Incorrect information on your report

XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.