determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible
Unable to get credit report/credit score	XXXX will not give me my credit report or score
Problem adding money	Ive activated this new app called active hours which allows me to get my money in advance but it says there is a problem with my bank.
Struggling to pay mortgage	Everbank did not send me any information to explore my loss mitigation options, NOR did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction date XXXX - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!
Rewards	I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.
Money was not available when promised	I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.
Billing disputes	I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.
Loan servicing, payments, escrow account	I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.
Closing an account	I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Trouble during payment process	Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.
Loan modification,collection,foreclosure	i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with
Managing an account	I mailed a check for {$7200.00} and my Bank XXXX XXXX mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.
Cont'd attempts collect debt not owed	I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.
Improper use of your report	I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX
Getting a credit card	Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?
Money was not available when promised	I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.
Closing/Cancelling account	AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.
Communication tactics	I 've ask the collector not to call my work number. The XXXX XXXX collection still continues to call me at my place of work.
Cont'd attempts collect debt not owed	portfolio recovery is reporting false information on my credit report
Trouble during payment process	I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ... XXXX account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached XXXX statement showing correct XXXX statement they doubled the attkrneybfees and charged more fees ...
Improper use of your report	did not authorize credit inquiry
Improper use of your report	1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.
Trouble using your card	Received a letter on XXXX XXXX , 2017 to decrease credit line. It provides generic reasons for creditworthiness along with a credit score d ated XXXX XXXX , 2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.
False statements or representation	3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.
Credit reporting company's investigation	Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.
Incorrect information on credit report	I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.
Incorrect information on your report	{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Improper contact or sharing of info	Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. How did she get my wife 's number. Never met my father. Just seems odd
Communication tactics	I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.
Credit card protection / Debt protection	I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-
Incorrect information on credit report	I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.
Deposits and withdrawals	MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS
Trouble during payment process	We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.
Incorrect information on credit report	I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.
Application, originator, mortgage broker	I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.
Took or threatened to take negative or legal action	on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.
Problem with a credit reporting company's investigation into an existing problem	I have sent in multiples disputes on XXXX accounts that I have no contract or knowledge of but XXXX will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Trouble during payment process	New information based on CFPB XXXX. We sent out a debt validation letter on this loan ending in XXXX. This is the information they sent back. Debt was not validated and they are still collecting the debt.
Credit reporting company's investigation	I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.
Dealing with my lender or servicer	daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...
Improper use of your report	I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!
Incorrect information on credit report	I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated
Written notification about debt	I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.
Disclosure verification of debt	Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.
Incorrect information on credit report	I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.
Incorrect information on credit report	I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Cont'd attempts collect debt not owed	The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now
False statements or representation	This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.
Communication tactics	Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Attempts to collect debt not owed	XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.
Cont'd attempts collect debt not owed	Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.
Settlement process and costs	During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all in advance!
Credit monitoring or identity theft protection services	filed bk chapter XXXX Discharged XX/XX/16 case number XXXX
Incorrect information on credit report	I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.
Attempts to collect debt not owed	I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
Loan servicing, payments, escrow account	I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.
Improper use of my credit report	There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.
Account opening, closing, or management	suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.
Attempts to collect debt not owed	{$2400.00} XX/XX/13 this is my deceased father account
Incorrect information on credit report	Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account.
Opening an account	XX/XX/18 Open a Account I was not able to open a additional account at a bank that I already have a account open?
Incorrect information on credit report	I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it.
Making/receiving payments, sending money	Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.
Closing an account	I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.
Incorrect information on your report	In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.
Attempts to collect debt not owed	I disputed this account with the credit bureau and it was not verified, and therefore, deleted. This account was recently added back onto my credit report without prior notification. This account does not belong to me. I have no contract with this company.
Managing an account	I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.
Cont'd attempts collect debt not owed	We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.
Dealing with my lender or servicer	This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.
Taking/threatening an illegal action	she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact
Dealing with my lender or servicer	I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. Their contact information is Central Credit Services LLC XXXX MO XXXX Phone XXXX
Incorrect information on credit report	I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.
Credit reporting company's investigation	Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.
Incorrect information on credit report	The credit reporting agency Equifax is reporting XXXX on my credit report. This is not my account also they refused to give me info on who they spoke to about my account and how they verified my account.
Struggling to pay your bill	I have a lot of debt with ca pital one credit card company and it 's destroying my credit.
Opening an account	I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.
Taking out the loan or lease	I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.
Charged fees or interest I didn't expect	XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval
Incorrect information on your report	Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX
Cont'd attempts collect debt not owed	Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '
False statements or representation	I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.
Improper use of your report	I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Incorrect information on credit report	XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.
Taking/threatening an illegal action	They call my job every day 2 and 3 times a day.
Incorrect information on credit report	I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
Loan modification,collection,foreclosure	The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.
Disclosure verification of debt	XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
Improper contact or sharing of info	This information was shared illegally ( third party ) without my informed and expressed consent
Loan modification,collection,foreclosure	Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.
Loan servicing, payments, escrow account	Please forward the attached QWR per RESPA to Nationstar.
False statements or representation	Patient received medical care from hospital - referring physician 's partners are owners of the hospital. Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. That being said, the amount of the debt is disputed.
Incorrect information on your report	XXXX XXXX XXXX XXXX Not my account Fraud account identity theft
Credit monitoring or identity protection	Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.
Incorrect information on your report	XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.
Cont'd attempts collect debt not owed	Chase Receivables keeps calling, I do not owe any debts.
Incorrect information on credit report	Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''
Improper use of your report	I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).
Incorrect information on credit report	XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not
Communication tactics	Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.

Disclosure verification of debt

Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible

Unable to get credit report/credit score

XXXX will not give me my credit report or score

Problem adding money

Ive activated this new app called active hours which allows me to get my money in advance but it says there is a problem with my bank.

Struggling to pay mortgage

Everbank did not send me any information to explore my loss mitigation options, NOR did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction date XXXX - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!

Rewards

I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.

Money was not available when promised

I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.

Billing disputes

I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.

Loan servicing, payments, escrow account

I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.

Closing an account

I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Trouble during payment process

Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.

Loan modification,collection,foreclosure

i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with

Managing an account

I mailed a check for {$7200.00} and my Bank XXXX XXXX mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.

Cont'd attempts collect debt not owed

I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.

Improper use of your report

I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX

Getting a credit card

Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?

Money was not available when promised

I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.

Closing/Cancelling account

AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.

Communication tactics

I 've ask the collector not to call my work number. The XXXX XXXX collection still continues to call me at my place of work.

Cont'd attempts collect debt not owed

portfolio recovery is reporting false information on my credit report

Trouble during payment process

I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ... XXXX account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached XXXX statement showing correct XXXX statement they doubled the attkrneybfees and charged more fees ...

Improper use of your report

did not authorize credit inquiry

Improper use of your report

1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.

Trouble using your card

Received a letter on XXXX XXXX , 2017 to decrease credit line. It provides generic reasons for creditworthiness along with a credit score d ated XXXX XXXX , 2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.

False statements or representation

3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.

Credit reporting company's investigation

Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.

Incorrect information on credit report

I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.

Incorrect information on your report

{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Improper contact or sharing of info

Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. How did she get my wife 's number. Never met my father. Just seems odd

Communication tactics

I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.

Credit card protection / Debt protection

I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-

Incorrect information on credit report

I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.

Deposits and withdrawals

MY account was closed with American Express bank, but i never received the money that was in my account, there was about XXXX dollars still in my account when the account was closed, and i have yet to received the money and its been MONTHS

Trouble during payment process

We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.

Incorrect information on credit report

I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.

Application, originator, mortgage broker

I have a home loan with chase bank that I had on auto payments. I was un aware that chase bank sold My loan. And I was not aware of the change and was not notified chase sent the payment to XXXX XXXX XXXX for awhile then they sent the payment back to me and I sent it to them and that is way it was late.

Took or threatened to take negative or legal action

on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.

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

I have sent in multiples disputes on XXXX accounts that I have no contract or knowledge of but XXXX will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.

Trouble during payment process

New information based on CFPB XXXX. We sent out a debt validation letter on this loan ending in XXXX. This is the information they sent back. Debt was not validated and they are still collecting the debt.

Credit reporting company's investigation

I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.

Dealing with my lender or servicer

daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...

Improper use of your report

I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!

Incorrect information on credit report

I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated

Written notification about debt

I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.

Disclosure verification of debt

Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.

Incorrect information on credit report

I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.

Incorrect information on credit report

I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

Cont'd attempts collect debt not owed

The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now

False statements or representation

This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.

Communication tactics

Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.

Attempts to collect debt not owed

XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.

Cont'd attempts collect debt not owed

Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.

Settlement process and costs

During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all in advance!

Credit monitoring or identity theft protection services

filed bk chapter XXXX Discharged XX/XX/16 case number XXXX

Incorrect information on credit report

I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.

Attempts to collect debt not owed

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Loan servicing, payments, escrow account

I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.

Improper use of my credit report

There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.

Account opening, closing, or management

suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.

Attempts to collect debt not owed

{$2400.00} XX/XX/13 this is my deceased father account

Incorrect information on credit report

Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account.

Opening an account

XX/XX/18 Open a Account I was not able to open a additional account at a bank that I already have a account open?

Incorrect information on credit report

I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it.

Making/receiving payments, sending money

Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.

Closing an account

I used my Bluebird card for XXXX XXXX hold until I returned the car. XXXX released the funds and Bluebird is giving me the run around telling me different stories, one being that XXXX did n't release the funds yet, and another being that it was released but American Express requires the funds to be held for 30 days. Also when I called Bluebird, I had to call back about four times because every time I asked to speak to a supervisor, I was hung up on by the representative.

Incorrect information on your report

In XXXX XXXX I have contacted XXXX and Transunion requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.

Attempts to collect debt not owed

I disputed this account with the credit bureau and it was not verified, and therefore, deleted. This account was recently added back onto my credit report without prior notification. This account does not belong to me. I have no contract with this company.

Managing an account

I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.

Cont'd attempts collect debt not owed

We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.

Dealing with my lender or servicer

This student loan has been in deferment and in forbearance until XX/XX/2017. The customer service representative said they made sure they back dated everything to reflect current as my other student loans because they all should show the same status. They are still reporting incorrectly and showing late payments.

Taking/threatening an illegal action

she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact

Dealing with my lender or servicer

I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. Their contact information is Central Credit Services LLC XXXX MO XXXX Phone XXXX

Incorrect information on credit report

I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.

Credit reporting company's investigation

Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.

Incorrect information on credit report

The credit reporting agency Equifax is reporting XXXX on my credit report. This is not my account also they refused to give me info on who they spoke to about my account and how they verified my account.

Struggling to pay your bill

I have a lot of debt with ca pital one credit card company and it 's destroying my credit.

Opening an account

I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.

Taking out the loan or lease

I applied for a credit card and they sent a denial notice and the reason and the reason was I had and auto loan out that the car had been repossessed and I owed a large amount of money I 've never owned a car and never even applied for a car loan.

Charged fees or interest I didn't expect

XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval

Incorrect information on your report

Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX

Cont'd attempts collect debt not owed

Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '

False statements or representation

I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.

Improper use of your report

I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Incorrect information on credit report

XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.

Taking/threatening an illegal action

They call my job every day 2 and 3 times a day.

Incorrect information on credit report

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

Loan modification,collection,foreclosure

The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.

Disclosure verification of debt

XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.

Improper contact or sharing of info

This information was shared illegally ( third party ) without my informed and expressed consent

Loan modification,collection,foreclosure

Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.

Loan servicing, payments, escrow account

Please forward the attached QWR per RESPA to Nationstar.

False statements or representation

Patient received medical care from hospital - referring physician 's partners are owners of the hospital. Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. That being said, the amount of the debt is disputed.

Incorrect information on your report

XXXX XXXX XXXX XXXX Not my account Fraud account identity theft

Credit monitoring or identity protection

Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.

Incorrect information on your report

XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

Cont'd attempts collect debt not owed

Chase Receivables keeps calling, I do not owe any debts.

Incorrect information on credit report

Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

Improper use of your report

I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).

Incorrect information on credit report

XXXX re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with Equifax ..., XXXX and XXXX deleted it ... equifax has not

Communication tactics

Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.