determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.
Incorrect information on your report	My credit report has the incorrect employer listed -- an employer I last worked for 14 years ago.
Written notification about debt	2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.
Communication tactics	They keep threatening with arrest and with police action and w/court action.
Problem with a purchase shown on your statement	I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.
Can't repay my loan	I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.
Loan servicing, payments, escrow account	my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.
Disclosure verification of debt	The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.
Incorrect information on your report	I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.
Identity theft / Fraud / Embezzlement	Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.
Cont'd attempts collect debt not owed	Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????
Cont'd attempts collect debt not owed	I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.
Unable to get credit report/credit score	Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.
Loan servicing, payments, escrow account	Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. Again, note : I have made LTV ratio and paid the Five years premium. Please cancel/terminate the MIP. Thank you. XXXX XXXX
Account opening, closing, or management	I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.
Incorrect information on your report	This is a complaint against Experian XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Incorrect information on credit report	I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).
Problems caused by my funds being low	I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.
Incorrect information on your report	The bankruptcy on my credit file has been and is again suppressed by your vendor XXXX XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm. XXXX XXXX XXXX XXXX XXXX XXXX ....
Cont'd attempts collect debt not owed	A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.
Incorrect information on credit report	There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.
Disclosure verification of debt	I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. Escallate LLC acct # XXXX XXXX
Cont'd attempts collect debt not owed	XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.
Incorrect information on credit report	There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file
Communication tactics	Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.
Cont'd attempts collect debt not owed	I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.
Application, originator, mortgage broker	I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.
Took or threatened to take negative or legal action	I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.
Incorrect information on your report	XXXX XXXX XXXX XXXX XXXX shows me as 90 days late on a payments from 2015 . All XXXX credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Managing the loan or lease	Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.
Incorrect information on your report	XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX XXXX, XXXX, PA XXXX \| M-F XXXX to XXXX ( ET ) \| XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
Struggling to repay your loan	#NAME?
Incorrect information on your report	not sure I see some inquiries on my report, that I did not do
Cont'd attempts collect debt not owed	I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Managing the loan or lease	Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.
Making/receiving payments, sending money	I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
Credit reporting company's investigation	TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. Also, I have attached my latest email to Equifax for your reference.
Advertising and marketing, including promotional offers	On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.
Can't repay my loan	I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.
Shopping for a loan or lease	We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.
Attempts to collect debt not owed	This debt was paid in full of XXXX remove from my credit as soon as possible
Credit monitoring or identity theft protection services	There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
Incorrect information on credit report	Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. The information show collections in XX/XX/XXXX is wrong
Improper contact or sharing of info	My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.
Disclosure verification of debt	I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.
Cont'd attempts collect debt not owed	My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
Incorrect information on your report	I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.
Improper contact or sharing of info	company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again
Improper use of your report	I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Applied for loan/did not receive money	When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.
Incorrect information on your report	Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report
Improper contact or sharing of info	the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.
Improper use of your report	EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $ XXXX . XX/XX/2017
Unable to get credit report/credit score	I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX
Incorrect information on credit report	I have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.
Took or threatened to take negative or legal action	XX/17 -TransWorld Systems. The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Loan modification,collection,foreclosure	US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.
Incorrect information on your report	Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Improper contact or sharing of info	Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.
Closing your account	I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.
Cont'd attempts collect debt not owed	a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.
Disclosure verification of debt	I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks
Improper contact or sharing of info	Cash call XXXX XXXX dollar loan.
Incorrect information on your report	ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.
Cont'd attempts collect debt not owed	Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.
Loan servicing, payments, escrow account	My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.
Application, originator, mortgage broker	My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.
Loan servicing, payments, escrow account	Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.
Problem caused by your funds being low	TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.
Problems when you are unable to pay	I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.
Credit decision / Underwriting	My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me.
Disclosure verification of debt	They are not licensed to collect in the state of MD. I will upload their information for proof!
Credit reporting company's investigation	Experian is taking too long to return dispute results
Incorrect information on credit report	I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007
Closing your account	MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.
Incorrect information on credit report	I have disputed over and over.
Incorrect information on your report	I have notified XXXX that they are reporting XXXX wrong addresses on my credit file. I have never lived at XXXX XXXX and XXXX XXXX . Please remove these addresses from my credit file.
Advertising and marketing, including promotional offers	Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!
Problem with a purchase shown on your statement	There are several disputes on my Sams Club Credit Card which have not been resolved by the bank. Every time I call the Disputes Department they say they are being investigated.
Incorrect information on your report	I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made : XXXX XXXX XXXX - Account # XXXX
Advertising and marketing	XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.
Can't repay my loan	Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.
Incorrect information on your report	XXXX XXXX claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Improper contact or sharing of info	A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.
Cont'd attempts collect debt not owed	I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.
Credit monitoring or identity protection	I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,
Took or threatened to take negative or legal action	reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine
Incorrect information on credit report	My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.
Improper use of your report	On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.
Struggling to repay your loan	On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.
Improper use of your report	I sent a multiple inquiry removal letter and yet it is still registering under my name multiple inquiries
Communication tactics	The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?
Credit determination	Wells Fargo is still on my XXXX credit report although Wells Fargo said they will be off by XX/XX/2015. See attached Wells Fargo report saying it will be removed by XX/XX/2015. They refused to shut the account -- XXXX % of the balance is fees. Wells Fargo should be off my credit -- it is 6 months after Wells Fargo wrote that it would be removed.
Took or threatened to take negative or legal action	XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. I was fined from the bank and child support services an additional {$300.00}.
Credit reporting company's investigation	Company did not respond to letter of inquiry concerning improper credit reporting notification.
Incorrect information on credit report	See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX
Disclosure verification of debt	This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Trouble using your card	TD Credit/ XXXX XXXX cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit
Incorrect information on your report	I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.

Cont'd attempts collect debt not owed

This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.

Incorrect information on your report

My credit report has the incorrect employer listed -- an employer I last worked for 14 years ago.

Written notification about debt

2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.

Communication tactics

They keep threatening with arrest and with police action and w/court action.

Problem with a purchase shown on your statement

I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.

Can't repay my loan

I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.

Loan servicing, payments, escrow account

my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.

Disclosure verification of debt

The attached letter was sent to XXXX in XXXX, 2015. I am still being harassed by this business and when I speak to them, I ask them to send me debt verification and I am yet to receive it.

Incorrect information on your report

I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.

Identity theft / Fraud / Embezzlement

Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.

Cont'd attempts collect debt not owed

Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????

Cont'd attempts collect debt not owed

I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.

Unable to get credit report/credit score

Dear Sir. I received a letter on XXXX XXXX, 2015 from the XXXX Bank finding inaccurate information in my credit report, as furnished by Equifax. Advised by the Bank in writing, I have tried to contact Equifax online, by phone as well as by mail. It is now about 10 days, I have not been able to talk to them on the phone as well as by mail.

Loan servicing, payments, escrow account

Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. Again, note : I have made LTV ratio and paid the Five years premium. Please cancel/terminate the MIP. Thank you. XXXX XXXX

Account opening, closing, or management

I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.

Incorrect information on your report

This is a complaint against Experian XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Incorrect information on credit report

I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).

Problems caused by my funds being low

I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.

Incorrect information on your report

The bankruptcy on my credit file has been and is again suppressed by your vendor XXXX XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm. XXXX XXXX XXXX XXXX XXXX XXXX ....

Cont'd attempts collect debt not owed

A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.

Incorrect information on credit report

There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.

Disclosure verification of debt

I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. Escallate LLC acct # XXXX XXXX

Cont'd attempts collect debt not owed

XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.

Incorrect information on credit report

There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file

Communication tactics

Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.

Cont'd attempts collect debt not owed

I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.

Application, originator, mortgage broker

I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.

Took or threatened to take negative or legal action

I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.

Incorrect information on your report

XXXX XXXX XXXX XXXX XXXX shows me as 90 days late on a payments from 2015 . All XXXX credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

Managing the loan or lease

Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.

Incorrect information on your report

XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

Struggling to repay your loan

#NAME?

Incorrect information on your report

not sure I see some inquiries on my report, that I did not do

Cont'd attempts collect debt not owed

I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Managing the loan or lease

Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.

Making/receiving payments, sending money

I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.

Credit reporting company's investigation

TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. Also, I have attached my latest email to Equifax for your reference.

Advertising and marketing, including promotional offers

On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.

Can't repay my loan

I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.

Shopping for a loan or lease

We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.

Attempts to collect debt not owed

This debt was paid in full of XXXX remove from my credit as soon as possible

Credit monitoring or identity theft protection services

There is 2 Hard inquiries on my credit report that is not mine they are XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed

Incorrect information on credit report

Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX I paid {$190.00} to XXXX by Postal Money Order and have call them month after month to remove this from my credit report and it still shows and they keep telling me that it should not be on there. This has been going on since XX/XX/XXXX every month they tell me it 's not on there and they have requested from XXXX XXXX XXXX XXXX to remove it but nothing. The information show collections in XX/XX/XXXX is wrong

Improper contact or sharing of info

My bankruptcy was discharged in XXXX of 2013. I just saw my score on XXXX plunge by XXXX points after trying to build my credit the last 3 years. COMMONWEALTH FINANCIAL SYSTEMS for XXXX sent something to the credit bureaus but showing a XXXX balance which has hurt my score substantially. This was all taken care of in the bankruptcy in 2013. Please help me to get them to fix this with the credit bureaus.

Disclosure verification of debt

I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.

Cont'd attempts collect debt not owed

My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Incorrect information on your report

I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Improper contact or sharing of info

company calling for subject that does n't live here or that I have no contact with, I have asked them twice not to call here and was promised that they would not call again. they are calling and leaving messages every day again

Improper use of your report

I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.

Applied for loan/did not receive money

When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.

Incorrect information on your report

Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

Improper contact or sharing of info

the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Improper use of your report

EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $ XXXX . XX/XX/2017

Unable to get credit report/credit score

I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX

Incorrect information on credit report

I have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.

Took or threatened to take negative or legal action

XX/17 -TransWorld Systems. The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Loan modification,collection,foreclosure

US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.

Incorrect information on your report

Was giving retroactive forbearance and still had 6-90 days 6-120 day 6-150 days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.

Improper contact or sharing of info

Transworld Systems, Incorporated used a robocall to call me on my cell phone to collect a debt in violation of the TCPA. They called multiple times, including leaving a voicemail by robocall from the number XXXX on XXXX XXXX, 2015 at XXXX XXXX. I have a saved copy of the voicemail.

Closing your account

I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.

Cont'd attempts collect debt not owed

a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.

Disclosure verification of debt

I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks

Improper contact or sharing of info

Cash call XXXX XXXX dollar loan.

Incorrect information on your report

ALERT TYPE COMPANY BUREAU DATE Updated tradeline CBNA XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE CBNA PO BOX XXXX XXXX XXXX, SD N/A N/A {$480.00} Showed up in trustedID XXXX It is nothing I did.

Cont'd attempts collect debt not owed

Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.

Loan servicing, payments, escrow account

My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.

Application, originator, mortgage broker

My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.

Loan servicing, payments, escrow account

Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.

Problem caused by your funds being low

TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.

Problems when you are unable to pay

I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.

Credit decision / Underwriting

My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me.

Disclosure verification of debt

They are not licensed to collect in the state of MD. I will upload their information for proof!

Credit reporting company's investigation

Experian is taking too long to return dispute results

Incorrect information on credit report

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007

Closing your account

MY CREDIT CARD FROM CHASE WAS APPROVED AND ISSUED TO ME. AFTER ACTIVATION I FOUND OUT 2 WEEKS LATER, IT WAS CLOSED. THIS IS THE SECOND TIME THIS WOULD HAPPEN WITH CHASE CREDIT CARD ( MILEAGE PLUS EXPLORER ). I HAVE NEVER HAD THE OPPORTUNITY TO USE THEIR CARDS. THEY KEEP APPROVING AND CLOSING IT. THIS IS UNFAIR AND THEY NEVER GIVE ME REASON WHY THE CARD WAS CLOSED.

Incorrect information on credit report

I have disputed over and over.

Incorrect information on your report

I have notified XXXX that they are reporting XXXX wrong addresses on my credit file. I have never lived at XXXX XXXX and XXXX XXXX . Please remove these addresses from my credit file.

Advertising and marketing, including promotional offers

Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!

Problem with a purchase shown on your statement

There are several disputes on my Sams Club Credit Card which have not been resolved by the bank. Every time I call the Disputes Department they say they are being investigated.

Incorrect information on your report

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made : XXXX XXXX XXXX - Account # XXXX

Advertising and marketing

XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.

Can't repay my loan

Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.

Incorrect information on your report

XXXX XXXX claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Improper contact or sharing of info

A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.

Cont'd attempts collect debt not owed

I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.

Credit monitoring or identity protection

I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,

Took or threatened to take negative or legal action

reported XXXX XXXX, XXXX XXXX : XXXX damaged credit not mine

Incorrect information on credit report

My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.

Improper use of your report

On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.

Struggling to repay your loan

On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.

Improper use of your report

I sent a multiple inquiry removal letter and yet it is still registering under my name multiple inquiries

Communication tactics

The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?

Credit determination

Wells Fargo is still on my XXXX credit report although Wells Fargo said they will be off by XX/XX/2015. See attached Wells Fargo report saying it will be removed by XX/XX/2015. They refused to shut the account -- XXXX % of the balance is fees. Wells Fargo should be off my credit -- it is 6 months after Wells Fargo wrote that it would be removed.

Took or threatened to take negative or legal action

XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. I was fined from the bank and child support services an additional {$300.00}.

Credit reporting company's investigation

Company did not respond to letter of inquiry concerning improper credit reporting notification.

Incorrect information on credit report

See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX

Disclosure verification of debt

This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Trouble using your card

TD Credit/ XXXX XXXX cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit

Incorrect information on your report

I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.