determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Other	I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA laws.
Incorrect information on credit report	I get an account with Consumer Adjustment who already payoff and was supposed to be closed and still showing open with all XXXX credits bureaus.My last payment was made on XXXX it 's over a year past and still showing open account.
Incorrect information on credit report	There are information on credit report that are over XXXX old.By law those should be remove.
Disclosure verification of debt	Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!
Problem with a credit reporting company's investigation into an existing problem	on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, Equifax and XXXX failed to reply at all.
Dealing with my lender or servicer	The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.
Problem with a credit reporting company's investigation into an existing problem	This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?
Incorrect information on credit report	I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.
Improper use of your report	I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
Communication tactics	The company has contacted relatives about the debt, especially to complain when the payment is late
Disclosure verification of debt	Unknown and appears to be outdated, disputed with no outcome. Please help
Problems at the end of the loan or lease	XXXX XXXX is reporting a charge off on our credit when we returned the car at the end of our lease. We had the car new from the dealership and it had transmission problems. When we turned it in at the end they tried to charge us for those problems which they were to cover during the lease and the warranty.
Incorrect information on your report	this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.
Loan servicing, payments, escrow account	Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.
Incorrect information on credit report	I do not work and have never worked for the XXXX XXXX XXXX. I do not Work at XXXX XXXX -- it should read XXXX XXXX
Incorrect information on credit report	EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.
Improper contact or sharing of info	I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
Incorrect information on your report	I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.
Attempts to collect debt not owed	Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Getting a credit card	I have a Capital One card that is reporting to my credit as an " Authorized Account ''. I have no knowledge of this card, i have called the company several times including today and they said they could not help.
Dealing with your lender or servicer	I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. Please help!
Problems caused by my funds being low	Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.
Disclosure verification of debt	I noticed that this collection appeared on my credit report but i was never notified of the debt.
Taking/threatening an illegal action	XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.
Unable to get credit report/credit score	I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.
Dealing with my lender or servicer	They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.
Adding money	i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too
Attempts to collect debt not owed	Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.
Cont'd attempts collect debt not owed	Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit
Incorrect information on credit report	There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help!
Communication tactics	They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.
Trouble using your card	I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested. I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my permission and marked it like I requested it.
Incorrect information on your report	I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.
Incorrect information on your report	XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Problem with a credit reporting company's investigation into an existing problem	I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report
Rewards	I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...
Problem with a credit reporting company's investigation into an existing problem	this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Unable to get credit report/credit score	I could not get my report online from Equifax and XXXX
Deposits and withdrawals	on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it
Cont'd attempts collect debt not owed	Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.
Incorrect information on your report	XXXX has on my credit file a was a charge off there was or is no charge off on this account.
Can't repay my loan	I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo.
Incorrect information on your report	Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Incorrect information on credit report	XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to XXXX?
Managing the loan or lease	My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.
Cont'd attempts collect debt not owed	I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!
Managing an account	1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 2. Made my husband look like, he owns XXXX XXXX XXXX. 3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 4. Falsified records and changed the rule whenever they wanted. 5. My website does n't look like bank website. There are a lot more, but I will let my report speaks for itself.
False statements or representation	The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.
Problem with a credit reporting company's investigation into an existing problem	My complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.
Improper use of your report	I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.
Improper use of your report	I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.
Account opening, closing, or management	Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.
Incorrect information on your report	I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?
Incorrect information on credit report	This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP
Credit reporting company's investigation	I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day Mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Managing an account	TD bank is not allowing me to link my XXXX account.
Disclosure verification of debt	I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation.
Improper contact or sharing of info	The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.
Credit reporting company's investigation	XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.
Incorrect information on your report	Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.
Communication tactics	I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.
Cont'd attempts collect debt not owed	I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.
Taking out the loan or lease	Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.
Cont'd attempts collect debt not owed	This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.
Can't repay my loan	I call nearly every month to have my payments lowered base on income based payments, the person on the line states what my new amount will be. Come next month, the amount due is NOT what was stated on the phone. I am forces to pay the full amount other wise I am penalized for not paying full amount. Forced to call and talk to a new representative and explain my whole situation AGAIN, they tell me the other person did it wrong and now " problem is fixed ''
Incorrect information on your report	I am a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.
Incorrect information on your report	this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you
Incorrect information on your report	I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.
Incorrect information on your report	Citibank is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.
Took or threatened to take negative or legal action	2008, {$5800.00} filed an illegal lien on house
Incorrect information on credit report	According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.
Dealing with my lender or servicer	Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility
Loan servicing, payments, escrow account	I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back to me.
Incorrect information on your report	I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling XXXX for nearly three years now that it does not belong to me!
Billing statement	My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.
Other features, terms, or problems	I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.
Loan servicing, payments, escrow account	We gave our mortgage company our house as part of a legal settlement. However, they have not closed the mortgage with the credit bureaus and have called and sent letters threatening to forclose.
Incorrect information on your report	On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.
Took or threatened to take negative or legal action	I sent letters to company requesting validation of the debt on the XXXX accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.
Cont'd attempts collect debt not owed	i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports
Incorrect information on your report	Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.
Dealing with your lender or servicer	The loan servicers at Navient are providing false information and has placed me in a loan repayment plan without my authorization. They have also failed to provide accurate information to receive loan forgiveness as a federal employee.
Credit reporting company's investigation	Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.
Cont'd attempts collect debt not owed	I have spoken with XXXX Different FMA Alliance representatives, they confirm I am not the person they are looking for, promise to remove me from further telephone calls, but they keep calling
Cont'd attempts collect debt not owed	XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.
Incorrect information on credit report	Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.
Problem when making payments	I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.
Problem with a credit reporting company's investigation into an existing problem	This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.
Improper use of your report	computer base system pre approve me for a credit limit then decline my application
Applying for a mortgage or refinancing an existing mortgage	Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.
Other	I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.
Taking/threatening an illegal action	I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.
Improper use of your report	Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.
Cont'd attempts collect debt not owed	I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.
Struggling to pay mortgage	The lender has failed to make contact or respond to the QWR request sent on XXXX / XXXX / 2017 - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.
Communication tactics	Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.
Cont'd attempts collect debt not owed	got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.
Loan servicing, payments, escrow account	My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.
Getting a credit card	I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. If I am on the Do Not Call Registry why do I continue to get these calls.
Dealing with your lender or servicer	Navient is stating I own XXXX XXXX over XXXX I do n't own XXXX XXXX a dime. Please help.

Other

I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA laws.

Incorrect information on credit report

I get an account with Consumer Adjustment who already payoff and was supposed to be closed and still showing open with all XXXX credits bureaus.My last payment was made on XXXX it 's over a year past and still showing open account.

Incorrect information on credit report

There are information on credit report that are over XXXX old.By law those should be remove.

Disclosure verification of debt

Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!

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

on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX and they removed these items, however, Equifax and XXXX failed to reply at all.

Dealing with my lender or servicer

The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.

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

This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?

Incorrect information on credit report

I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.

Improper use of your report

I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

Communication tactics

The company has contacted relatives about the debt, especially to complain when the payment is late

Disclosure verification of debt

Unknown and appears to be outdated, disputed with no outcome. Please help

Problems at the end of the loan or lease

XXXX XXXX is reporting a charge off on our credit when we returned the car at the end of our lease. We had the car new from the dealership and it had transmission problems. When we turned it in at the end they tried to charge us for those problems which they were to cover during the lease and the warranty.

Incorrect information on your report

this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.

Loan servicing, payments, escrow account

Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.

Incorrect information on credit report

I do not work and have never worked for the XXXX XXXX XXXX. I do not Work at XXXX XXXX -- it should read XXXX XXXX

Incorrect information on credit report

EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.

Improper contact or sharing of info

I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.

Incorrect information on your report

I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

Attempts to collect debt not owed

Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Getting a credit card

I have a Capital One card that is reporting to my credit as an " Authorized Account ''. I have no knowledge of this card, i have called the company several times including today and they said they could not help.

Dealing with your lender or servicer

I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. Please help!

Problems caused by my funds being low

Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.

Disclosure verification of debt

I noticed that this collection appeared on my credit report but i was never notified of the debt.

Taking/threatening an illegal action

XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.

Unable to get credit report/credit score

I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.

Dealing with my lender or servicer

They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.

Adding money

i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too

Attempts to collect debt not owed

Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.

Cont'd attempts collect debt not owed

Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit

Incorrect information on credit report

There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help!

Communication tactics

They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.

Trouble using your card

I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested. I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my permission and marked it like I requested it.

Incorrect information on your report

I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.

Incorrect information on your report

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

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

I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

Rewards

I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...

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

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.

Unable to get credit report/credit score

I could not get my report online from Equifax and XXXX

Deposits and withdrawals

on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it

Cont'd attempts collect debt not owed

Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.

Incorrect information on your report

XXXX has on my credit file a was a charge off there was or is no charge off on this account.

Can't repay my loan

I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards Wells Fargo.

Incorrect information on your report

Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Incorrect information on credit report

XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to XXXX?

Managing the loan or lease

My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.

Cont'd attempts collect debt not owed

I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!

Managing an account

1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 2. Made my husband look like, he owns XXXX XXXX XXXX. 3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 4. Falsified records and changed the rule whenever they wanted. 5. My website does n't look like bank website. There are a lot more, but I will let my report speaks for itself.

False statements or representation

The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.

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

My complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.

Improper use of your report

I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.

Improper use of your report

I am one of the possibly affected 143 Million people in the recent Equifax Security Breach. Their conduct and handling of this situation is unacceptable, especially the sale of stock by their executives days before the breach went public.

Account opening, closing, or management

Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.

Incorrect information on your report

I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?

Incorrect information on credit report

This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Credit reporting company's investigation

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day Mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You

Managing an account

TD bank is not allowing me to link my XXXX account.

Disclosure verification of debt

I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation.

Improper contact or sharing of info

The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.

Credit reporting company's investigation

XXXX initially requested Equifax delete the account on XX/XX/2016 ( XXXX ), and Equifax refuses to update the file. On XX/XX/2016, XXXX again requested the account is removed from the Equifax report and provided me XXXX. Equifax refuses to remove the account.

Incorrect information on your report

Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.

Communication tactics

I have told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.

Cont'd attempts collect debt not owed

I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.

Taking out the loan or lease

Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.

Cont'd attempts collect debt not owed

This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.

Can't repay my loan

I call nearly every month to have my payments lowered base on income based payments, the person on the line states what my new amount will be. Come next month, the amount due is NOT what was stated on the phone. I am forces to pay the full amount other wise I am penalized for not paying full amount. Forced to call and talk to a new representative and explain my whole situation AGAIN, they tell me the other person did it wrong and now " problem is fixed ''

Incorrect information on your report

I am a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.

Incorrect information on your report

this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you

Incorrect information on your report

I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.

Incorrect information on your report

Citibank is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.

Took or threatened to take negative or legal action

2008, {$5800.00} filed an illegal lien on house

Incorrect information on credit report

According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.

Dealing with my lender or servicer

Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility

Loan servicing, payments, escrow account

I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back to me.

Incorrect information on your report

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling XXXX for nearly three years now that it does not belong to me!

Billing statement

My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.

Other features, terms, or problems

I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.

Loan servicing, payments, escrow account

We gave our mortgage company our house as part of a legal settlement. However, they have not closed the mortgage with the credit bureaus and have called and sent letters threatening to forclose.

Incorrect information on your report

On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.

Took or threatened to take negative or legal action

I sent letters to company requesting validation of the debt on the XXXX accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.

Cont'd attempts collect debt not owed

i have no knowledge of this account im on food stamp and XXXX. i should never of had a bill for medical expenses. im not sure if this is a billing issue but they are posting this XXXX $ debt on XXXX reports and constantly calling my phone. its obnoxious and at minimum id like them to notify me by mail only and remove this from my reports

Incorrect information on your report

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.

Dealing with your lender or servicer

The loan servicers at Navient are providing false information and has placed me in a loan repayment plan without my authorization. They have also failed to provide accurate information to receive loan forgiveness as a federal employee.

Credit reporting company's investigation

Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.

Cont'd attempts collect debt not owed

I have spoken with XXXX Different FMA Alliance representatives, they confirm I am not the person they are looking for, promise to remove me from further telephone calls, but they keep calling

Cont'd attempts collect debt not owed

XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.

Incorrect information on credit report

Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.

Problem when making payments

I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.

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

This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.

Improper use of your report

computer base system pre approve me for a credit limit then decline my application

Applying for a mortgage or refinancing an existing mortgage

Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.

Other

I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Taking/threatening an illegal action

I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.

Improper use of your report

Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.

Cont'd attempts collect debt not owed

I do n't remember getting this card. They keep calling to collect an outstanding debt. They said I purchased something fro {$32.00} that is now up to {$170.00} because of non payment. They ca n't tell me what I purchased because it was passed on to a collection agency. Maybe somebody stole my info. Every time I think I 'm getting some where with debt collectors over the phone it hangs up. I have to pay the minimum amount do to see what was purchased.

Struggling to pay mortgage

The lender has failed to make contact or respond to the QWR request sent on XXXX / XXXX / 2017 - The lender is in violation of RESPA guidelines with not responding to our request and the clients right to counsel.

Communication tactics

Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.

Cont'd attempts collect debt not owed

got a letter from a collection agency stating I owed XXXX XXXX dollars for an apartment I had six years ago. I called the apartment complex and they told me it was a scam.

Loan servicing, payments, escrow account

My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.

Getting a credit card

I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. If I am on the Do Not Call Registry why do I continue to get these calls.

Dealing with your lender or servicer

Navient is stating I own XXXX XXXX over XXXX I do n't own XXXX XXXX a dime. Please help.