determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper use of your report	Checked my credit report to find XXXX also listed as XXXX XXXX , tire dealers listed as a hard inquire on my report. XXXX XXXX has XXXX location in the United States. XXXX is in XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in XXXX , ME
Written notification about debt	XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.
Identity theft / Fraud / Embezzlement	CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.
Disclosure verification of debt	On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX
Billing disputes	For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.
Problems when you are unable to pay	After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call
Incorrect information on credit report	information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.
False statements or representation	-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment
Managing, opening, or closing your mobile wallet account	Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then
Credit decision / Underwriting	Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.
Disclosure verification of debt	XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.
Improper use of your report	On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. Thank you
Loan servicing, payments, escrow account	I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.
Cont'd attempts collect debt not owed	I had a phone lease through the cell phone carrier XXXX . The phone was returned to the store, but XXXX did not account for the phone. As of now I am receiving collection notifications for the phone i rightfully returned.
Incorrect information on your report	Accounts appears as potentially negative with a open date of 2006.
Loan servicing, payments, escrow account	I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.
Billing disputes	Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.
Incorrect information on credit report	Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.
Credit line increase/decrease	This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.
Credit reporting company's investigation	LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.
Credit decision / Underwriting	I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. Now I am not able to get a new mortgage loan because of late payments on my record.
Cont'd attempts collect debt not owed	The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.
Written notification about debt	Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.
Cont'd attempts collect debt not owed	I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.
Communication tactics	i keep receiving calls to my cellphone from a scam debt collector. They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.
Loan servicing, payments, escrow account	The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.
Disclosure verification of debt	ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.
Disclosure verification of debt	Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting
Problem with a credit reporting company's investigation into an existing problem	I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
Improper use of your report	I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
Improper use of my credit report	XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA
Dealing with my lender or servicer	My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.
Unable to get credit report/credit score	I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report.
Managing the loan or lease	I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. XXXX XXXX XXXX
Communication tactics	Company admitted to calling me 191 times.
Improper use of your report	I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.
Deposits and withdrawals	53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge
Credit reporting company's investigation	XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
Dealing with my lender or servicer	I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.
Incorrect information on credit report	There is an apparent personal loan on my report that is not mine. XXXX XXXX {$3600.00}
Problem with a credit reporting company's investigation into an existing problem	Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Account opening, closing, or management	If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account.
False statements or representation	Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.
Deposits and withdrawals	i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. there not telling whats going on!
Improper use of your report	I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it
Cont'd attempts collect debt not owed	account was reopen on XX/XX/XXXX
Incorrect information on credit report	Information is incorrect and these inquiries are unauthorized.
Deposits and withdrawals	Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.
Incorrect information on credit report	My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not removed it.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.
Incorrect information on your report	XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
Unsolicited issuance of credit card	I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.
Communication tactics	XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX dob XXXX / XXXX / XXXX SS # XXXX XXXX / XXXX / XXXX XXXX and Experian and XXXX will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a zero balance.
Credit reporting company's investigation	I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.
Dealing with my lender or servicer	I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?
Communication tactics	I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.
Account opening, closing, or management	On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.
Communication tactics	Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX
Cont'd attempts collect debt not owed	this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.
Billing disputes	The format was not readable for Case number : XXXX, could you resubmit,
Other features, terms, or problems	I had a balance transfer check returned as I made it payable to myself " XXXX XXXX '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.
Fraud or scam	XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.
Threatened to contact someone or share information improperly	Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.
Attempts to collect debt not owed	UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.
Incorrect information on credit report	XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.
Unsolicited issuance of credit card	I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?
Other features, terms, or problems	I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.
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.
Incorrect information on credit report	I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
Problem with fraud alerts or security freezes	So I was notify the I may have been affected and my identity theft so I would like more information on this as soon as possible
Incorrect information on credit report	I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Loan modification,collection,foreclosure	I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.
Can't repay my loan	Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.
Struggling to pay your loan	XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %
Incorrect information on credit report	I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports
Communication tactics	Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX
Attempts to collect debt not owed	Have not received no information regarding this
Can't repay my loan	I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.
Cont'd attempts collect debt not owed	I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Incorrect information on credit report	ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''
Improper use of your report	Equifax failed to protect my sensitive personal information and it was stolen by hackers.
Problem with a credit reporting company's investigation into an existing problem	Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft
Incorrect information on credit report	the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds
Advertising and marketing, including promotional offers	Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.
Improper use of your report	On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.
Problem with a credit reporting company's investigation into an existing problem	XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Making/receiving payments, sending money	My car was repossessed. The bank still reports this after the statue of limitations
False statements or representation	The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.
False statements or representation	XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return
Application, originator, mortgage broker	Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.
Incorrect information on your report	I have contact all XXXX credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.
Incorrect information on credit report	I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
Incorrect information on your report	XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
Attempts to collect debt not owed	Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.
Other fee	I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.
Incorrect information on credit report	Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.

Improper use of your report

Checked my credit report to find XXXX also listed as XXXX XXXX , tire dealers listed as a hard inquire on my report. XXXX XXXX has XXXX location in the United States. XXXX is in XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in XXXX , ME

Written notification about debt

XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.

Identity theft / Fraud / Embezzlement

CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.

Disclosure verification of debt

On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. I did not receive notice of right to dispute.This is being report on XXXX, report number # XXXX

Billing disputes

For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.

Problems when you are unable to pay

After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call

Incorrect information on credit report

information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.

False statements or representation

-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment

Managing, opening, or closing your mobile wallet account

Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then

Credit decision / Underwriting

Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.

Disclosure verification of debt

XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.

Improper use of your report

On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. Thank you

Loan servicing, payments, escrow account

I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.

Cont'd attempts collect debt not owed

I had a phone lease through the cell phone carrier XXXX . The phone was returned to the store, but XXXX did not account for the phone. As of now I am receiving collection notifications for the phone i rightfully returned.

Incorrect information on your report

Accounts appears as potentially negative with a open date of 2006.

Loan servicing, payments, escrow account

I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.

Billing disputes

Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.

Incorrect information on credit report

Experian is reporting an account with XXXX XXXX XXXX that should not be on my credit report. The account number is XXXX and is supposedly for a collection with XXXX in the amount of {$310.00}. There should be no reason why this is on my credit report and it 's strange that Experian is the only bureau reporting it. This has to be an error.

Credit line increase/decrease

This is a report on my XXXX credit card, like the first XXXX am also making payment on this card for more than 17 months and the card remain the same I make payments every month the amount remain the same I tried to call them to resolve the issue but they could not even though I stop using the card.

Credit reporting company's investigation

LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.

Credit decision / Underwriting

I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. Now I am not able to get a new mortgage loan because of late payments on my record.

Cont'd attempts collect debt not owed

The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.

Written notification about debt

Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.

Cont'd attempts collect debt not owed

I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.

Communication tactics

i keep receiving calls to my cellphone from a scam debt collector. They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.

Loan servicing, payments, escrow account

The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.

Disclosure verification of debt

ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.

Disclosure verification of debt

Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting

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

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.

Improper use of your report

I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. XXXX XXXX XXXX Inquiry : XX/XX/2017 ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 - Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.

Improper use of my credit report

XXXX Violation : will send attachment and copy credit report where my medical information : XXXX, ARE Listed. XXXX interview are pulling and seeing my confidential medical condition. Negatively affecting my credit report. Want to purchase a home. I want to be compensated {$2500.00} for each violationThank you, XXXX XXXX my daughter : XXXX XXXX is POA

Dealing with my lender or servicer

My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.

Unable to get credit report/credit score

I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report.

Managing the loan or lease

I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. XXXX XXXX XXXX

Communication tactics

Company admitted to calling me 191 times.

Improper use of your report

I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.

Deposits and withdrawals

53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge

Credit reporting company's investigation

XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

Dealing with my lender or servicer

I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.

Incorrect information on credit report

There is an apparent personal loan on my report that is not mine. XXXX XXXX {$3600.00}

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

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Account opening, closing, or management

If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account.

False statements or representation

Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.

Deposits and withdrawals

i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. there not telling whats going on!

Improper use of your report

I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

Cont'd attempts collect debt not owed

account was reopen on XX/XX/XXXX

Incorrect information on credit report

Information is incorrect and these inquiries are unauthorized.

Deposits and withdrawals

Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.

Incorrect information on credit report

My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not removed it.

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.

Incorrect information on your report

XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

Unsolicited issuance of credit card

I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.

Communication tactics

XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.

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

XXXX XXXX dob XXXX / XXXX / XXXX SS # XXXX XXXX / XXXX / XXXX XXXX and Experian and XXXX will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a zero balance.

Credit reporting company's investigation

I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.

Dealing with my lender or servicer

I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?

Communication tactics

I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.

Account opening, closing, or management

On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.

Communication tactics

Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX

Cont'd attempts collect debt not owed

this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility.

Billing disputes

The format was not readable for Case number : XXXX, could you resubmit,

Other features, terms, or problems

I had a balance transfer check returned as I made it payable to myself " XXXX XXXX '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.

Fraud or scam

XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.

Threatened to contact someone or share information improperly

Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.

Attempts to collect debt not owed

UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.

Incorrect information on credit report

XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.

Unsolicited issuance of credit card

I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?

Other features, terms, or problems

I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.

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.

Incorrect information on credit report

I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Problem with fraud alerts or security freezes

So I was notify the I may have been affected and my identity theft so I would like more information on this as soon as possible

Incorrect information on credit report

I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX

Loan modification,collection,foreclosure

I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.

Can't repay my loan

Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.

Struggling to pay your loan

XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %

Incorrect information on credit report

I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports

Communication tactics

Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX

Attempts to collect debt not owed

Have not received no information regarding this

Can't repay my loan

I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.

Cont'd attempts collect debt not owed

I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Incorrect information on credit report

ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''

Improper use of your report

Equifax failed to protect my sensitive personal information and it was stolen by hackers.

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

Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Incorrect information on credit report

the XXXX items are not minds, they was opens in a name that is similar to minds and when I looked at my credit report I saw them was on it, XXXX have tried a lot of time to get the credit companies to remove them but they keep coming back seeing they are minds ... and I keep asking how did they verifty the items are minds

Advertising and marketing, including promotional offers

Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.

Improper use of your report

On XX/XX/2017 I went to a local car dealership with hopes to purchase a car. I informed the company to only run my credit with one company. After I checked my credit report recently it appears that the car dealership ran my credit through multiple companies. The multiple hard inquiries have significantly hurt my credit.

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

XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.

Making/receiving payments, sending money

My car was repossessed. The bank still reports this after the statue of limitations

False statements or representation

The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.

False statements or representation

XXXX cell phone. being charged for a contract that was not told to me. i was unaware of such thing, if i really was told or explain this i would not have taken the phone that i return

Application, originator, mortgage broker

Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.

Incorrect information on your report

I have contact all XXXX credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

Incorrect information on credit report

I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.

Incorrect information on your report

XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.

Attempts to collect debt not owed

Number XXXX XXXX repeatedly calls regarding a debit collection. To my knowledge I have no outstanding debt. Research into this number shows that it is scam.

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

XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.

Other fee

I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.

Incorrect information on credit report

Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.