determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	Did n't verify collection, no contract, no signuture
Incorrect information on credit report	Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.
Deposits and withdrawals	I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.
Incorrect information on your report	Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX and XXXX, account never reported to any credit bureaus. On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Communication tactics	If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.
Disclosure verification of debt	I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt
Cont'd attempts collect debt not owed	I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.
False statements or representation	The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.
Cont'd attempts collect debt not owed	The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!
Identity theft / Fraud / Embezzlement	our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/XXXX.
Loan modification,collection,foreclosure	XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.
Trouble during payment process	This is a XXXX XXXX loan that became delinquent in XX/XX/XXXX . A ccording to XXXX XXXX guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency in XX/XX/XXXX . I t never happened. Notice was sent to mortgage company o n XX/XX/XXXX that they were supposed to give a streamlined modification. They still are not offering the streamlined modification and foreclosure is scheduled for XX/XX/XXXX
Problems when you are unable to pay	the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me
Credit card protection / Debt protection	I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.
Cont'd attempts collect debt not owed	In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again
Incorrect information on credit report	Hard credit inquiry in my Equifax credit report from XXXX XXXX dated XXXX XXXX, 2016 does n't belong to me. I contact XXXX XXXX and notify the fraudulent inquiry on my report. Also, initiate a dispute with Equifax and they stay that I have to file a police report or wait two years in order to delete that inquiry from my credit report. Please help me. Thank.
Attempts to collect debt not owed	XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.
Charged fees or interest I didn't expect	National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.
Getting a credit card	On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.
Other	Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.
Incorrect information on your report	XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
Incorrect information on credit report	Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.
Attempts to collect debt not owed	This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all XXXX credit bureaus and all three have found this company and debt fraudulent.
Improper use of your report	I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.
Incorrect information on your report	Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.
Unable to get credit report/credit score	I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions.
Incorrect information on your report	I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX , 2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.
Problem with a credit reporting company's investigation into an existing problem	I disputed an item to be removed ; being XXXX removed item from my report as a result of their investigation.
Dealing with your lender or servicer	The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.
Application, originator, mortgage broker	XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.
Improper contact or sharing of info	Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.
False statements or representation	Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.
Cont'd attempts collect debt not owed	XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high
Incorrect information on credit report	I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.
Attempts to collect debt not owed	This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
Written notification about debt	According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.
Incorrect information on your report	I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.
Closing an account	we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason
Improper contact or sharing of info	Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.
Managing the loan or lease	the loan is included in my chapter XXXX the trustee make monthly payment and in XXXX XXXX they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job
Incorrect information on credit report	I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.
Cont'd attempts collect debt not owed	I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING
Communication tactics	Portfolio Recovery continues to call after cease of communication notice and is making frequent and repeated calls in a harassing manner.
Communication tactics	The call is automated then someone comes on the line saying they are a debt collection company. They call everyday. This debt has been charged off.
Incorrect information on credit report	My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX
Incorrect information on credit report	After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.
Communication tactics	I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.
Getting a credit card	I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.
Identity theft / Fraud / Embezzlement	credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.
Incorrect information on your report	XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.
Cont'd attempts collect debt not owed	Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
Cont'd attempts collect debt not owed	Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.
Communication tactics	Over the last two day I have received 15 calls from Ally Financial. I work night shift and the times that they call I am sleeping and they do not leave a message. They call just about every hour on the hour. I have previously talked to them back in 2017 about the obsessive calling and not leaving messages
Closing your account	I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.
Problem adding money	I can not connect my XXXX account to coinbase to withdraw money.
Closing an account	A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.
Charged fees or interest I didn't expect	I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!
Improper use of your report	I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
Credit determination	I have XXXX hard credit checks on my credit report, one from CBNA and the other from Citibank. I have not authorized either of them to do it.
Incorrect information on credit report	Account discharged in Ch.XXXX but shows as collection
Cont'd attempts collect debt not owed	This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.
Incorrect information on your report	A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.
Attempts to collect debt not owed	I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I
Problem with a credit reporting company's investigation into an existing problem	I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.
Attempts to collect debt not owed	I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
Disclosure verification of debt	THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.
Taking/threatening an illegal action	i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.
Incorrect information on your report	Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP XXXX.
Incorrect information on credit report	The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.
Incorrect information on your report	Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Incorrect information on credit report	I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.
Incorrect information on your report	I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. XXXX shows {$6500.00} and closed and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
Incorrect information on credit report	Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.
Improper use of your report	Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.
Cont'd attempts collect debt not owed	I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.
Customer service / Customer relations	My lawyer is trying to charge my credit card and the card can not be charged.
Customer service / Customer relations	citibank 's online portal will not work
Loan modification,collection,foreclosure	BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.
Cont'd attempts collect debt not owed	On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.
Application, originator, mortgage broker	I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure
Cont'd attempts collect debt not owed	Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
Credit reporting company's investigation	Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.
Taking/threatening an illegal action	I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX
Credit reporting company's investigation	XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me
Credit monitoring or identity protection	Intrusive billing inquiries and charges eating up credit line by hackers
Arbitration	I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping
Incorrect information on credit report	I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.
Incorrect information on your report	XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.
Managing an account	On XX/XX/2017 I made a withdrawal for {$300.00} from the Wells Fargo ATM, XXXX XXXX , XXXX . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.
Other	I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.
Incorrect information on credit report	Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? .... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
Dealing with my lender or servicer	high interest rates. daily accruement is high
Incorrect information on credit report	There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Incorrect information on credit report	I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know.
Identity theft / Fraud / Embezzlement	After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
Loan modification,collection,foreclosure	I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.
Getting a loan	I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.
Problem with a credit reporting company's investigation into an existing problem	They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified
Unable to get your credit report or credit score	Wrong address. No activity. Asked for a card. Interest building? Credit card default.
Credit reporting company's investigation	COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. PLEASE REMOVE FROM MY CREDIT REPORT.

Incorrect information on credit report

Did n't verify collection, no contract, no signuture

Incorrect information on credit report

Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

Deposits and withdrawals

I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.

Incorrect information on your report

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX and XXXX, account never reported to any credit bureaus. On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

Communication tactics

If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.

Disclosure verification of debt

I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt

Cont'd attempts collect debt not owed

I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.

False statements or representation

The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.

Cont'd attempts collect debt not owed

The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!

Identity theft / Fraud / Embezzlement

our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/XXXX.

Loan modification,collection,foreclosure

XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.

Trouble during payment process

This is a XXXX XXXX loan that became delinquent in XX/XX/XXXX . A ccording to XXXX XXXX guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency in XX/XX/XXXX . I t never happened. Notice was sent to mortgage company o n XX/XX/XXXX that they were supposed to give a streamlined modification. They still are not offering the streamlined modification and foreclosure is scheduled for XX/XX/XXXX

Problems when you are unable to pay

the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me

Credit card protection / Debt protection

I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.

Cont'd attempts collect debt not owed

In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again

Incorrect information on credit report

Hard credit inquiry in my Equifax credit report from XXXX XXXX dated XXXX XXXX, 2016 does n't belong to me. I contact XXXX XXXX and notify the fraudulent inquiry on my report. Also, initiate a dispute with Equifax and they stay that I have to file a police report or wait two years in order to delete that inquiry from my credit report. Please help me. Thank.

Attempts to collect debt not owed

XXXX XXXX has sold a debt they do not own to another company called Allied Interstate LLC. The debt in question is currently owned by XXXX XXXX XXXX and is currently being paid through them.

Charged fees or interest I didn't expect

National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.

Getting a credit card

On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.

Other

Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.

Incorrect information on your report

XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

Incorrect information on credit report

Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.

Attempts to collect debt not owed

This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all XXXX credit bureaus and all three have found this company and debt fraudulent.

Improper use of your report

I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.

Incorrect information on your report

Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.

Unable to get credit report/credit score

I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions.

Incorrect information on your report

I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX , 2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.

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

I disputed an item to be removed ; being XXXX removed item from my report as a result of their investigation.

Dealing with your lender or servicer

The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.

Application, originator, mortgage broker

XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.

Improper contact or sharing of info

Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.

False statements or representation

Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.

Cont'd attempts collect debt not owed

XXXX XXXX ACCT. # XXXXMIDLAND FUNDING- ACCT. # XXXXThese are the XXXX debts that are also showing up on my acct. i need to know why they are there and the amount owed is so high

Incorrect information on credit report

I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

Attempts to collect debt not owed

This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Written notification about debt

According to Tennessee state licensure verification, XXXX XXXX is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of improving my credit. Original request for verification was sent certified mail.

Incorrect information on your report

I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.

Closing an account

we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason

Improper contact or sharing of info

Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.

Managing the loan or lease

the loan is included in my chapter XXXX the trustee make monthly payment and in XXXX XXXX they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job

Incorrect information on credit report

I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.

Cont'd attempts collect debt not owed

I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING

Communication tactics

Portfolio Recovery continues to call after cease of communication notice and is making frequent and repeated calls in a harassing manner.

Communication tactics

The call is automated then someone comes on the line saying they are a debt collection company. They call everyday. This debt has been charged off.

Incorrect information on credit report

My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX

Incorrect information on credit report

After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.

Communication tactics

I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.

Getting a credit card

I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.

Identity theft / Fraud / Embezzlement

credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.

Incorrect information on your report

XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.

Cont'd attempts collect debt not owed

Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

Cont'd attempts collect debt not owed

Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.

Communication tactics

Over the last two day I have received 15 calls from Ally Financial. I work night shift and the times that they call I am sleeping and they do not leave a message. They call just about every hour on the hour. I have previously talked to them back in 2017 about the obsessive calling and not leaving messages

Closing your account

I was behind on my credit card, I say at least a month or two. I ended up paying it off then the company said my account was closed but I 'm still receiving payments I need to make.

Problem adding money

I can not connect my XXXX account to coinbase to withdraw money.

Closing an account

A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.

Charged fees or interest I didn't expect

I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!

Improper use of your report

I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

Credit determination

I have XXXX hard credit checks on my credit report, one from CBNA and the other from Citibank. I have not authorized either of them to do it.

Incorrect information on credit report

Account discharged in Ch.XXXX but shows as collection

Cont'd attempts collect debt not owed

This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.

Incorrect information on your report

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.

Attempts to collect debt not owed

I have no idea of what this company does. I XXXX the company and it 's a tanning salon. I have no knowledge of this. This is identity fraud. I

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

I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.

Attempts to collect debt not owed

I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.

Disclosure verification of debt

THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.

Taking/threatening an illegal action

i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.

Incorrect information on your report

Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP XXXX.

Incorrect information on credit report

The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.

Incorrect information on your report

Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Incorrect information on credit report

I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.

Incorrect information on your report

I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. XXXX shows {$6500.00} and closed and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.

Incorrect information on credit report

Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.

Improper use of your report

Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.

Cont'd attempts collect debt not owed

I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.

Customer service / Customer relations

My lawyer is trying to charge my credit card and the card can not be charged.

Customer service / Customer relations

citibank 's online portal will not work

Loan modification,collection,foreclosure

BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.

Cont'd attempts collect debt not owed

On XXXX XXXX, I discovered that my savings account was levied due to a judgment against my husband. The collection agency, Apothaker and Associates, has withdrawn funds from my husband 's account several times. The last withdrawal was XXXX XXXX in the amount of {$1600.00}. I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.

Application, originator, mortgage broker

I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure

Cont'd attempts collect debt not owed

Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.

Credit reporting company's investigation

Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.

Taking/threatening an illegal action

I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX

Credit reporting company's investigation

XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me

Credit monitoring or identity protection

Intrusive billing inquiries and charges eating up credit line by hackers

Arbitration

I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping

Incorrect information on credit report

I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.

Incorrect information on your report

XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.

Managing an account

On XX/XX/2017 I made a withdrawal for {$300.00} from the Wells Fargo ATM, XXXX XXXX , XXXX . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.

Other

I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.

Incorrect information on credit report

Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? .... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

Dealing with my lender or servicer

high interest rates. daily accruement is high

Incorrect information on credit report

There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

Incorrect information on credit report

I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know.

Identity theft / Fraud / Embezzlement

After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.

Loan modification,collection,foreclosure

I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.

Getting a loan

I was mislead and told in my promissory note that I would be funded through graduation. Upon entering my junior year my loans were cut and I no longer could receive enough to finish. The loan terms stated I would have to repay the loan after graduating based on my earning potential once obtaining my degree which I could not get because I couldnt pay for my last year and a half of school.

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

They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified

Unable to get your credit report or credit score

Wrong address. No activity. Asked for a card. Interest building? Credit card default.

Credit reporting company's investigation

COLLECTION AGENCIES TOOK MORE THAN 30 DAYS AND NO RESPONSE, COPIES ATTACHED. PLEASE REMOVE FROM MY CREDIT REPORT.