determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Managing, opening, or closing account	Hello, for two weeks and still counting not able to access my money and ca n't get thru RUSH card customer service phone or email line.
Cont'd attempts collect debt not owed	harrasing letters and calls from this debt collect to collect a debt I dont owe
Loan modification,collection,foreclosure	I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.
Disclosure verification of debt	Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.
Incorrect information on your report	I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Can't repay my loan	I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.
Struggling to repay your loan	I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.
Advertising and marketing, including promotional offers	I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.
Problem with a credit reporting company's investigation into an existing problem	I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Communication tactics	Midland Credit Management, a debt collector, is threatening to initiated legal action to collect a credit card debt. The debt has more than 7 years. The statutes of limitations for credit card debt is due.
Identity theft / Fraud / Embezzlement	capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court,
Other features, terms, or problems	I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :
Incorrect information on your report	The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Account opening, closing, or management	Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.
False statements or representation	The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )
Incorrect information on credit report	I disputed several items on my credit report and they have n't responded with any proof or anything.
Communication tactics	Synchrony continues to call me 10xs a day. They are calling for a debt that I paid.
Incorrect information on your report	It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report
Incorrect information on your report	I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?
Deposits and withdrawals	Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre
Closing/Cancelling account	I need to have old account of jcp removed. I gave since obtain new account.
Unable to get your credit report or credit score	On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.
Improper use of your report	Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution
Incorrect information on your report	After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.
Making/receiving payments, sending money	I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.
False statements or representation	I have contacted XXXX XXXX XXXXXXXX XXXX by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.
Disclosure verification of debt	I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.
Incorrect information on credit report	I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. ( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.
Disclosure verification of debt	I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.
Credit reporting company's investigation	TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????
Improper contact or sharing of info	Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.
Trouble during payment process	Follow up on Office of Comptroller Currency Case # XXXX. XXXX XXXX.
Cont'd attempts collect debt not owed	They are collecting on a debt that was discharged though chapter XXXX bankruptcy
Problem with a credit reporting company's investigation into an existing problem	THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.
Problems when you are unable to pay	I have a vehicle loan with Westlake Financial Services which is Rate Loan of 27.60 % and a found at the Florida Office XXXX XXXX XXXX web pages that the higher interest in Florida is 18 %.
Communication tactics	The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.
Cont'd attempts collect debt not owed	The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.
Incorrect information on credit report	I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.
Account opening, closing, or management	Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.
Incorrect information on your report	My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Can't repay my loan	My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.
Credit reporting company's investigation	I asked TransUnion to investigate my complaint because the account is not accurate and verify that the account belonged to me by providing proof with an original contract and my signature ; then to delete it from my credit report. I wrote three letters requesting this information and despite my asking three times for legal verification, according to the FCRA, TransUnion has failed to do so.
Cont'd attempts collect debt not owed	This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
Dealing with my lender or servicer	10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.
Attempts to collect debt not owed	I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.
Money was not available when promised	I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money. Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!
Incorrect information on credit report	Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.
Loan servicing, payments, escrow account	Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting
Attempts to collect debt not owed	COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.
Cont'd attempts collect debt not owed	I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.
Loan modification,collection,foreclosure	Nation star mortgage XXXX refusing to provide the actual original note to foreclose on this property
Cont'd attempts collect debt not owed	No knowledge of said debt.
Closing your account	I applied for a XXXX XXXX Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.
Improper contact or sharing of info	Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.
Managing an account	For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. Not having access to my funds are unacceptable. Please help
Incorrect information on your report	Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.
Problem with a credit reporting company's investigation into an existing problem	Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC 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 LVNV FUNDING LLC 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 your report	XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...
Unable to get credit report/credit score	I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.
Struggling to pay mortgage	The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set fo r XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Incorrect information on your report	Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.
Billing disputes	-- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try
Incorrect information on your report	XXXX Report # XXXX Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} EXPERIAN XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX
Loan servicing, payments, escrow account	My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...
Problem with a credit reporting company's investigation into an existing problem	I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again
Problem with a credit reporting company's investigation into an existing problem	Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.
Improper use of your report	Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!
Incorrect information on credit report	On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine
Incorrect information on your report	Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
False statements or representation	A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.
Received a loan I didn't apply for	The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not
Improper use of your report	I am potentially affected by the recent security breach of Equifax.
Cont'd attempts collect debt not owed	I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.
Incorrect information on your report	I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Taking/threatening an illegal action	XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!
Incorrect information on your report	Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by Transunion
Cont'd attempts collect debt not owed	I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.
Incorrect information on your report	XXXX is reporting an inaccurate address and name for me. I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. I have disputed this and it is still on my credit. Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Using a debit or ATM card	My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.
Settlement process and costs	One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost
Delinquent account	I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!
Improper use of your report	These inquiries were not authorized because I was already pre financed through my bank.
Incorrect information on credit report	Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.
Struggling to pay mortgage	Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help
Loan servicing, payments, escrow account	I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is XXXX
Incorrect information on credit report	I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?
Account opening, closing, or management	PNC Bank wants to charge me {$25.00} for closing my online bank account because I do n't like their services. Can they do that? Not letting withdraw below a certain balance, or charge me a fee. Not let me close my account or charge me a fee. This just seems wrong. I have not enrolled in any type of bonus/promotion offer from them where it seems like these large fees should be there.
Incorrect information on credit report	I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.
Taking/threatening an illegal action	MANY HARASSING PHONE CALLS PER DAY
Incorrect information on your report	I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.
Billing disputes	I found XXXX XXXX CA XXXX US h as charged me on my Chase Visa card since XXXX {$0.00}, XXXX {$9.00}, XXXX {$19.00}. I do not have an idea about XXXX and how they got my visa card information? I have looked up XXXX and found many people were charged without any idea of XXXX .
Struggling to repay your loan	Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.
Communication tactics	I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.
Late fee	I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.
Cont'd attempts collect debt not owed	Debt should be paid by XXXX indigent/charity care!
Incorrect information on your report	Fraud & Improper use of my information
Account opening, closing, or management	SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair
Incorrect information on credit report	I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.
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

Managing, opening, or closing account

Hello, for two weeks and still counting not able to access my money and ca n't get thru RUSH card customer service phone or email line.

Cont'd attempts collect debt not owed

harrasing letters and calls from this debt collect to collect a debt I dont owe

Loan modification,collection,foreclosure

I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.

Disclosure verification of debt

Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.

Incorrect information on your report

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

Can't repay my loan

I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.

Struggling to repay your loan

I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.

Advertising and marketing, including promotional offers

I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.

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

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Communication tactics

Midland Credit Management, a debt collector, is threatening to initiated legal action to collect a credit card debt. The debt has more than 7 years. The statutes of limitations for credit card debt is due.

Identity theft / Fraud / Embezzlement

capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court,

Other features, terms, or problems

I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :

Incorrect information on your report

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Account opening, closing, or management

Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.

False statements or representation

The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )

Incorrect information on credit report

I disputed several items on my credit report and they have n't responded with any proof or anything.

Communication tactics

Synchrony continues to call me 10xs a day. They are calling for a debt that I paid.

Incorrect information on your report

It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, XXXX, Equifax XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, XXXX, Equifax XXXX XXXX on a credit report

Incorrect information on your report

I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?

Deposits and withdrawals

Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre

Closing/Cancelling account

I need to have old account of jcp removed. I gave since obtain new account.

Unable to get your credit report or credit score

On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.

Improper use of your report

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution

Incorrect information on your report

After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

Making/receiving payments, sending money

I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.

False statements or representation

I have contacted XXXX XXXX XXXXXXXX XXXX by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.

Disclosure verification of debt

I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.

Incorrect information on credit report

I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. ( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.

Disclosure verification of debt

I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.

Credit reporting company's investigation

TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????

Improper contact or sharing of info

Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.

Trouble during payment process

Follow up on Office of Comptroller Currency Case # XXXX. XXXX XXXX.

Cont'd attempts collect debt not owed

They are collecting on a debt that was discharged though chapter XXXX bankruptcy

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

THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.

Problems when you are unable to pay

I have a vehicle loan with Westlake Financial Services which is Rate Loan of 27.60 % and a found at the Florida Office XXXX XXXX XXXX web pages that the higher interest in Florida is 18 %.

Communication tactics

The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.

Cont'd attempts collect debt not owed

The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.

Incorrect information on credit report

I was away on duty and my account was on hold and XXXX still put it late after my mortgage was being paid on time. I could n't contact them until I got back. Since then I lost my military priveledges because of my credit and not paying bills. The credit bureau have wrongfully reported me late.

Account opening, closing, or management

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.

Incorrect information on your report

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage

Can't repay my loan

My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.

Credit reporting company's investigation

I asked TransUnion to investigate my complaint because the account is not accurate and verify that the account belonged to me by providing proof with an original contract and my signature ; then to delete it from my credit report. I wrote three letters requesting this information and despite my asking three times for legal verification, according to the FCRA, TransUnion has failed to do so.

Cont'd attempts collect debt not owed

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

Dealing with my lender or servicer

10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.

Attempts to collect debt not owed

I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.

Money was not available when promised

I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money. Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!

Incorrect information on credit report

Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.

Loan servicing, payments, escrow account

Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting

Attempts to collect debt not owed

COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.

Cont'd attempts collect debt not owed

I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.

Loan modification,collection,foreclosure

Nation star mortgage XXXX refusing to provide the actual original note to foreclose on this property

Cont'd attempts collect debt not owed

No knowledge of said debt.

Closing your account

I applied for a XXXX XXXX Credit card in the store was approved and used the card once. Received my statement and made payment on time. A month later the bank closed the account stating too make inquiries on my credit report. This is a horrible way to do business. The company at most should have lowered the card limit to an amount they felt comfortable with.

Improper contact or sharing of info

Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.

Managing an account

For over 7 days I 've been trying to access my accounts via the Internet and XXXX XXXX. All I 'm getting is the server is unavailable. Last Friday, XXXX XXXX, 2017 I went to the branch near me and spoke to a Customer Service Rep. She informed that the outside server is down but I can check on my accounts at any branch. Not having access to my funds are unacceptable. Please help

Incorrect information on your report

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

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

Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC 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 LVNV FUNDING LLC 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 your report

XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

Unable to get credit report/credit score

I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.

Struggling to pay mortgage

The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set fo r XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Incorrect information on your report

Employment information is not up to date. I have working for the XXXX XXXX XXXX XXXX XXXX XXXX and it not reflected in my credit report.

Billing disputes

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try

Incorrect information on your report

XXXX Report # XXXX Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} EXPERIAN XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX

Loan servicing, payments, escrow account

My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...

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

I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again

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

Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.

Improper use of your report

Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!

Incorrect information on credit report

On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine

Incorrect information on your report

Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX

False statements or representation

A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.

Received a loan I didn't apply for

The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not

Improper use of your report

I am potentially affected by the recent security breach of Equifax.

Cont'd attempts collect debt not owed

I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.

Incorrect information on your report

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.

Taking/threatening an illegal action

XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!

Incorrect information on your report

Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by Transunion

Cont'd attempts collect debt not owed

I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.

Incorrect information on your report

XXXX is reporting an inaccurate address and name for me. I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. I have disputed this and it is still on my credit. Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap

Using a debit or ATM card

My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.

Settlement process and costs

One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost

Delinquent account

I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!

Improper use of your report

These inquiries were not authorized because I was already pre financed through my bank.

Incorrect information on credit report

Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.

Struggling to pay mortgage

Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help

Loan servicing, payments, escrow account

I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is XXXX

Incorrect information on credit report

I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?

Account opening, closing, or management

PNC Bank wants to charge me {$25.00} for closing my online bank account because I do n't like their services. Can they do that? Not letting withdraw below a certain balance, or charge me a fee. Not let me close my account or charge me a fee. This just seems wrong. I have not enrolled in any type of bonus/promotion offer from them where it seems like these large fees should be there.

Incorrect information on credit report

I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.

Taking/threatening an illegal action

MANY HARASSING PHONE CALLS PER DAY

Incorrect information on your report

I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.

Billing disputes

I found XXXX XXXX CA XXXX US h as charged me on my Chase Visa card since XXXX {$0.00}, XXXX {$9.00}, XXXX {$19.00}. I do not have an idea about XXXX and how they got my visa card information? I have looked up XXXX and found many people were charged without any idea of XXXX .

Struggling to repay your loan

Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.

Communication tactics

I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.

Late fee

I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.

Cont'd attempts collect debt not owed

Debt should be paid by XXXX indigent/charity care!

Incorrect information on your report

Fraud & Improper use of my information

Account opening, closing, or management

SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair

Incorrect information on credit report

I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.

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