determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Applying for a mortgage or refinancing an existing mortgage	-In XX/XX/XXXX we started the application process with XXXX XXXX XXXX XXXX/Merrimack Mortgage for the purchase of our new home. -On XX/XX/XXXXXXXX had emailed the pre-approval letter. -On XXXX/XXXX/XXXX we notified XXXX that we had accepted an offer on
Communication tactics	Repeated calls from XXXX from XXXX, and XXXX.
Incorrect information on credit report	Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}
Delinquent account	I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.
Managing the loan or lease	Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. This Bank is going opposite I need help.
Can't contact lender	I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.
Improper use of your report	I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Cont'd attempts collect debt not owed	LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.
Incorrect information on credit report	do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there
Identity theft / Fraud / Embezzlement	I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you
Improper use of your report	Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.
Disclosure verification of debt	This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.
Incorrect information on credit report	XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.
Cont'd attempts collect debt not owed	Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( XXXX XXXX XXXX
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/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!
Incorrect information on credit report	I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.
Incorrect information on credit report	The information is still remains. I just received a response from XXXX which is a collection on my Equifax report that responded through the CFB case # XXXX that they were going to remove this collection.
Cont'd attempts collect debt not owed	This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Credit decision / Underwriting	Past 7 years and was already removed from credit report and now has been added back to credit report with incorrect dates.
Improper use of your report	There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? I have tried repeatedly to correct this and everyone says they can do nothing about it? the last four digits are XXXX and who is this?
Incorrect information on credit report	fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.
Incorrect information on credit report	Experian fail to delete wrong personal information on my report.
Charged fees or interest I didn't expect	I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan
Taking/threatening an illegal action	XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.
Loan modification,collection,foreclosure	My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.
Communication tactics	The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.
Loan modification,collection,foreclosure	JPMorgan Chase Bank, foreclosed on me with out bring me in the foreclosure case, even after I asked them to bring me in. I 'm the owner of record of the property & the person on the note.
Taking out the loan or lease	I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.
Can't repay my loan	I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.
Attempts to collect debt not owed	I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.
Charged fees or interest I didn't expect	Fees were outrageous and I just want to end the loan
Can't repay my loan	I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.
Dealing with my lender or servicer	i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.
Trouble using your card	2016 XXXX. <P/> I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. - XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. Consent to publish the description of what happened? Consent provided Supporting documents
Unable to get credit report/credit score	I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information.
Communication tactics	They called me all day and have now tried calling friends and even called an ex boyfriend.
Incorrect information on your report	Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
Incorrect information on your report	this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.
Struggling to pay mortgage	In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.
Attempts to collect debt not owed	AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to me.
Struggling to pay mortgage	The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.
Problem with a credit reporting company's investigation into an existing problem	I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Disclosure verification of debt	I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.
Dealing with your lender or servicer	I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.
Credit reporting company's investigation	XXXX XXXX XXXX was not properly and accurately reported. 1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.
Managing the loan or lease	Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.
Communication tactics	Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.
Cont'd attempts collect debt not owed	credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.
Incorrect information on your report	XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation
Account opening, closing, or management	I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?
Cont'd attempts collect debt not owed	I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!
Cont'd attempts collect debt not owed	I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
Improper use of your report	To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. Doing a follow up with the complaint ID on file XXXX
Disclosure verification of debt	I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.
Improper use of my credit report	I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX
Incorrect information on credit report	I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Dealing with my lender or servicer	Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.
Struggling to pay mortgage	Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).
Incorrect information on credit report	The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.
Incorrect information on your report	My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid
Charged fees or interest you didn't expect	I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties
Unable to get credit report/credit score	As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.
Communication tactics	I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.
Cont'd attempts collect debt not owed	OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.
Deposits and withdrawals	I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. I run to the branch and get a cashier 's check. I am not informed of the different rules. My cashier 's check is lost and they refuse to stop it. I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.
Incorrect information on your report	I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..
False statements or representation	They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.
Took or threatened to take negative or legal action	The company has failed to validate this collection for XXXX XXXX. The company threatened to take me to court to obtain another settlement.
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!
Incorrect information on credit report	On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.
Attempts to collect debt not owed	Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.
Cont'd attempts collect debt not owed	Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.
Cont'd attempts collect debt not owed	This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.
Incorrect information on credit report	Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!
Unauthorized transactions or other transaction problem	I never used this account. There should never have been any balance
Attempts to collect debt not owed	This company reported that I have a collection from XXXX balance of XXXX from XXXX / XXXX / XXXX . The last time I had a phone bill with XXXX was 9 years ago! The last balance I had with XXXX was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago. This debt is not valid. Please help!
Taking out the loan or lease	I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.
Can't repay my loan	Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.
Dealing with your lender or servicer	Navient has been charging me late fees for several months despite my participation in automatic draft.
Application, originator, mortgage broker	I purchased a property in XXXX XXXX , CT and while I was in the mix of my repairs, XXXX XXXX contracted XXXX XXXX to preserve the property. XXXX XXXX changed the locks and in the process caused significant damage. I contacted XXXX XXXX about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.
Incorrect information on credit report	XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.
Fraud or scam	I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.
Using a debit or ATM card	I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. I feel like the lack of service has been un- acceptable.
Application, originator, mortgage broker	We are now finding out we were sold a number of loans through WAMU that had liquidated all Heloc capital on XXXX homes, and pushed a refinance on to our real estate portfolio whereby we were sold more toxic instruments of lending. The full, detailed statement in one of the attachments.
Managing an account	U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.
Can't contact lender	My mother is a SSI XXXX recipient. Payday loans should not be extended to people who are either only getting SSI or XXXX are their income.
Problem adding money	Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.
Loan modification,collection,foreclosure	I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.
Making/receiving payments, sending money	bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank
Problems when you are unable to pay	Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.
Communication tactics	Evans Law Associates is calling the home residence and personal cell phone number of ( not the debtor ) and threatening to sue ( the debtor ) if he does not return their call. I have returned the call of Evans Law Associates at ph # XXXX xXXXX and advised them of my phone number and that person does not live here. They stated they would take my phone number off the contact list and that it would take up to 24 hours. However, they continue to call me each week.
Incorrect information on credit report	Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. Please feel free to contact me.
Incorrect information on your report	cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX XXXX
Disclosure verification of debt	This debt has been paid
Incorrect information on credit report	my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you
Application, originator, mortgage broker	XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.
Attempts to collect debt not owed	My social security card was lost and my number was used to open up a line of service with XXXX .
Can't repay my loan	Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.

Applying for a mortgage or refinancing an existing mortgage

-In XX/XX/XXXX we started the application process with XXXX XXXX XXXX XXXX/Merrimack Mortgage for the purchase of our new home. -On XX/XX/XXXXXXXX had emailed the pre-approval letter. -On XXXX/XXXX/XXXX we notified XXXX that we had accepted an offer on

Communication tactics

Repeated calls from XXXX from XXXX, and XXXX.

Incorrect information on credit report

Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}

Delinquent account

I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.

Managing the loan or lease

Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. This Bank is going opposite I need help.

Can't contact lender

I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.

Improper use of your report

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Cont'd attempts collect debt not owed

LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.

Incorrect information on credit report

do not no who XXXX XXXX is i have never used that name or anything else on tranunion, and a address in XXXX XXXX i have never live there

Identity theft / Fraud / Embezzlement

I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you

Improper use of your report

Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.

Disclosure verification of debt

This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.

Incorrect information on credit report

XXXX debt of {$580.00} is not mine the name is XXXX XXXX i do not know who this person is. Please remove this debt on my credit report also i am divorced from my husband XXXX XXXX in XXXX 2015 and he has the XXXX XXXX XXXX. I have removed my name from XXXX please remove my name on this debt. XXXX has the car.

Cont'd attempts collect debt not owed

Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( XXXX XXXX XXXX

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/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!

Incorrect information on credit report

I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.

Incorrect information on credit report

The information is still remains. I just received a response from XXXX which is a collection on my Equifax report that responded through the CFB case # XXXX that they were going to remove this collection.

Cont'd attempts collect debt not owed

This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Credit decision / Underwriting

Past 7 years and was already removed from credit report and now has been added back to credit report with incorrect dates.

Improper use of your report

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? I have tried repeatedly to correct this and everyone says they can do nothing about it? the last four digits are XXXX and who is this?

Incorrect information on credit report

fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.

Incorrect information on credit report

Experian fail to delete wrong personal information on my report.

Charged fees or interest I didn't expect

I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan

Taking/threatening an illegal action

XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.

Loan modification,collection,foreclosure

My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.

Communication tactics

The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.

Loan modification,collection,foreclosure

JPMorgan Chase Bank, foreclosed on me with out bring me in the foreclosure case, even after I asked them to bring me in. I 'm the owner of record of the property & the person on the note.

Taking out the loan or lease

I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.

Can't repay my loan

I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.

Attempts to collect debt not owed

I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.

Charged fees or interest I didn't expect

Fees were outrageous and I just want to end the loan

Can't repay my loan

I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.

Dealing with my lender or servicer

i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.

Trouble using your card

2016 XXXX. <P/> I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Incorrect information on credit report

I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. - XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. Consent to publish the description of what happened? Consent provided Supporting documents

Unable to get credit report/credit score

I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information.

Communication tactics

They called me all day and have now tried calling friends and even called an ex boyfriend.

Incorrect information on your report

Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. I also filed chapter XXXX bankruptcy on XX/XX/XXXX.

Incorrect information on your report

this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.

Struggling to pay mortgage

In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.

Attempts to collect debt not owed

AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to me.

Struggling to pay mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.

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

I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

Disclosure verification of debt

I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.

Dealing with your lender or servicer

I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.

Credit reporting company's investigation

XXXX XXXX XXXX was not properly and accurately reported. 1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.

Managing the loan or lease

Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.

Communication tactics

Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.

Cont'd attempts collect debt not owed

credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.

Incorrect information on your report

XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

Account opening, closing, or management

I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?

Cont'd attempts collect debt not owed

I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!

Cont'd attempts collect debt not owed

I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.

Improper use of your report

To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. Doing a follow up with the complaint ID on file XXXX

Disclosure verification of debt

I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.

Improper use of my credit report

I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX

Incorrect information on credit report

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Dealing with my lender or servicer

Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.

Struggling to pay mortgage

Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).

Incorrect information on credit report

The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.

Incorrect information on your report

My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid

Charged fees or interest you didn't expect

I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties

Unable to get credit report/credit score

As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.

Communication tactics

I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.

Cont'd attempts collect debt not owed

OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.

Deposits and withdrawals

I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. I run to the branch and get a cashier 's check. I am not informed of the different rules. My cashier 's check is lost and they refuse to stop it. I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.

Incorrect information on your report

I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..

False statements or representation

They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.

Took or threatened to take negative or legal action

The company has failed to validate this collection for XXXX XXXX. The company threatened to take me to court to obtain another settlement.

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!

Incorrect information on credit report

On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

Attempts to collect debt not owed

Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.

Cont'd attempts collect debt not owed

Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.

Cont'd attempts collect debt not owed

This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.

Incorrect information on credit report

Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!

Unauthorized transactions or other transaction problem

I never used this account. There should never have been any balance

Attempts to collect debt not owed

This company reported that I have a collection from XXXX balance of XXXX from XXXX / XXXX / XXXX . The last time I had a phone bill with XXXX was 9 years ago! The last balance I had with XXXX was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago. This debt is not valid. Please help!

Taking out the loan or lease

I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.

Can't repay my loan

Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.

Dealing with your lender or servicer

Navient has been charging me late fees for several months despite my participation in automatic draft.

Application, originator, mortgage broker

I purchased a property in XXXX XXXX , CT and while I was in the mix of my repairs, XXXX XXXX contracted XXXX XXXX to preserve the property. XXXX XXXX changed the locks and in the process caused significant damage. I contacted XXXX XXXX about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.

Incorrect information on credit report

XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.

Fraud or scam

I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.

Using a debit or ATM card

I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. I feel like the lack of service has been un- acceptable.

Application, originator, mortgage broker

We are now finding out we were sold a number of loans through WAMU that had liquidated all Heloc capital on XXXX homes, and pushed a refinance on to our real estate portfolio whereby we were sold more toxic instruments of lending. The full, detailed statement in one of the attachments.

Managing an account

U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.

Can't contact lender

My mother is a SSI XXXX recipient. Payday loans should not be extended to people who are either only getting SSI or XXXX are their income.

Problem adding money

Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.

Loan modification,collection,foreclosure

I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.

Making/receiving payments, sending money

bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank

Problems when you are unable to pay

Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.

Communication tactics

Evans Law Associates is calling the home residence and personal cell phone number of ( not the debtor ) and threatening to sue ( the debtor ) if he does not return their call. I have returned the call of Evans Law Associates at ph # XXXX xXXXX and advised them of my phone number and that person does not live here. They stated they would take my phone number off the contact list and that it would take up to 24 hours. However, they continue to call me each week.

Incorrect information on credit report

Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. Please feel free to contact me.

Incorrect information on your report

cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX XXXX

Disclosure verification of debt

This debt has been paid

Incorrect information on credit report

my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you

Application, originator, mortgage broker

XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.

Attempts to collect debt not owed

My social security card was lost and my number was used to open up a line of service with XXXX .

Can't repay my loan

Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.