determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Problem with a purchase shown on your statement	Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. Thank you.
Closing/Cancelling account	DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.
Problem with a credit reporting company's investigation into an existing problem	Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Incorrect information on your report	I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!
Cont'd attempts collect debt not owed	This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.
Attempts to collect debt not owed	In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.
Improper contact or sharing of info	They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.
Problems caused by my funds being low	In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.
Account opening, closing, or management	PayPal locked my account and will not give me access to my money. PayPal refuses to give me a mechanism to access my money.
Incorrect information on your report	On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. Thank you MIB Ref # XXXX
Credit determination	I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.
Incorrect information on credit report	This credit derogatory mark is not mine
Attempts to collect debt not owed	WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE
Can't repay my loan	Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.
Incorrect information on credit report	All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Problem with a credit reporting company's investigation into an existing problem	I should have been advised that because an additional payment was made during XXXX the XXXX payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments. As a result my credit scores have each suffered by approx. XXXX points. This will impact me on multiple levels for years.
Improper contact or sharing of info	AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.
Problem with a credit reporting company's investigation into an existing problem	A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing
Unable to get credit report/credit score	I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.
Managing the loan or lease	The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount
Written notification about debt	THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.
Took or threatened to take negative or legal action	( No Contract ) leg al items was verified from A third party & placed on my credit report
Loan servicing, payments, escrow account	I went from XXXX to XXXX loan, tranferrred to XXXX loan. I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.
Unable to get credit report/credit score	TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE
False statements or representation	They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''
Incorrect information on your report	I have notified Equifax that they are reporting XXXX wrong addresses on my credit file. I have never lived at XXXX XXXX and XXXX XXXX . Please remove these addresses from my credit file.
Received a loan I didn't apply for	ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. Thank! XXXX XXXX
Disclosure verification of debt	Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
Loan servicing, payments, escrow account	Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month
Managing the loan or lease	I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.
False statements or representation	Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them
Took or threatened to take negative or legal action	In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.
Communication tactics	ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.
Loan modification,collection,foreclosure	I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do
Incorrect information on your report	Hello, I recently ran my credit report through XXXX and found multiple accounts being opened since 2015. Th e details to each account is highlighted on the attached file. Please advise, XXXX XXXX
Improper use of your report	I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Improper use of your report	Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Closing/Cancelling account	Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.
Customer service / Customer relations	A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.
Incorrect information on credit report	I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?
Taking/threatening an illegal action	XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.
Incorrect information on credit report	Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report.
Incorrect information on your report	I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Incorrect information on credit report	The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report
Incorrect information on credit report	Court of Common Pleas or XXXX improperly placed this item on my credit report as this was included in my bankruptcy and I should not be held liable.
Incorrect information on your report	Experian is refusing to remove a false claim against me off of my credit record. Experian has received a false claim from XXXX XXXX XXXX and XXXX XXXX ; after I disputed, Experian agrees with the liars!
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Managing the loan or lease	Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was correct and should not be removed.
Attempts to collect debt not owed	Extremely rude and calling constantly asking me 30 times my name and trying to get info from me
Attempts to collect debt not owed	I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. They need to produce a copy to me or remove this account from my credit reports and stop all collections.
Incorrect information on your report	I have two hard inquiries hitting my credit report that I di not authorize. 1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Deposits and withdrawals	I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.
Credit monitoring or identity protection	Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!
Incorrect information on credit report	Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. Please help correcting the issue with this company.
Cont'd attempts collect debt not owed	this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money
Disclosure verification of debt	Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.
Dealing with my lender or servicer	The College I attended XXXX XXXX XXXX XXXX was shut down while still enrolled. I was not able to complete my program, but I still have to pay this private loan through UAS.
Dealing with my lender or servicer	My balance seems to never go down
Incorrect information on credit report	There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed
Cont'd attempts collect debt not owed	I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records
Incorrect information on your report	These addresses are errors. XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Incorrect information on credit report	I disputed inquires that was not made by me however i have not heard back from them.
Credit reporting company's investigation	MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.
Incorrect information on credit report	I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?
Credit reporting company's investigation	Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold
Problem with a credit reporting company's investigation into an existing problem	My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.
Dealing with my lender or servicer	My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.
Cont'd attempts collect debt not owed	I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.
Advertising and marketing	Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. ( I am also an XXXX permanent registered participant. )
Attempts to collect debt not owed	When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.
Incorrect information on credit report	On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Incorrect information on your report	XXXX of 2013, m ortgage loan with Chase was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.
Communication tactics	I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.
Improper use of your report	Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.
Problem with a credit reporting company's investigation into an existing problem	Unauthorized inquires are on my report from Capital One Bank, NA for the dates of XX/XX/XXXX and XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all XXXX credit bureaus. These items were not authorized by me and should NOT be reported.
Other fee	I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. I contacted Chase and asked it to refund the charged interest, it has flatly refused.
Improper use of your report	I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.
Improper use of my credit report	Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.
Dealing with my lender or servicer	I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.
Problems when you are unable to pay	they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.
Incorrect information on credit report	There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.
Using a debit or ATM card	I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.
Taking out the loan or lease	The credit bureaus are reporting credit that is not mine.
Incorrect information on your report	On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
Problem with a credit reporting company's investigation into an existing problem	I check my credit scores via XXXX XXXX, XXXX XXXX and XXXX have arbitrarily and with out just cause lowered my credit scores Transunion by XXXX points and XXXX by XXXX points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Incorrect information on your report	I REPORTED TO XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.
Managing the loan or lease	I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Incorrect information on credit report	Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.
Incorrect information on your report	90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.
Communication tactics	I have repeatedly verbally requested them to stop calling me while I 'm at work and that I am paid XXXX and would be able to make a payment arrangement with them at the beginning of the month after I am paid but they continue to call XXXX times per day.
Incorrect information on credit report	There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file.
Communication tactics	Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.
Can't repay my loan	I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.
Making/receiving payments, sending money	I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.
Incorrect information on credit report	I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.
Dealing with my lender or servicer	My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.
Dealing with your lender or servicer	the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C. services number # XXXX ... me the client account number XXXX balance {$12000.00}
Cont'd attempts collect debt not owed	We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.
Credit monitoring or identity protection	Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions

Problem with a purchase shown on your statement

Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. Thank you.

Closing/Cancelling account

DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.

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

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.

Incorrect information on your report

I have literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!

Cont'd attempts collect debt not owed

This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.

Attempts to collect debt not owed

In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.

Improper contact or sharing of info

They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.

Problems caused by my funds being low

In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.

Account opening, closing, or management

PayPal locked my account and will not give me access to my money. PayPal refuses to give me a mechanism to access my money.

Incorrect information on your report

On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. Thank you MIB Ref # XXXX

Credit determination

I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.

Incorrect information on credit report

This credit derogatory mark is not mine

Attempts to collect debt not owed

WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT SCORE

Can't repay my loan

Loan company is stating I have reached the maximum amount of deferment for my loans, but I do n't remember there being a maximum timeframe listed in the documentation for my loan that I signed when I received the funds.

Incorrect information on credit report

All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

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

I should have been advised that because an additional payment was made during XXXX the XXXX payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments. As a result my credit scores have each suffered by approx. XXXX points. This will impact me on multiple levels for years.

Improper contact or sharing of info

AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.

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

A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

Unable to get credit report/credit score

I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.

Managing the loan or lease

The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount

Written notification about debt

THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.

Took or threatened to take negative or legal action

( No Contract ) leg al items was verified from A third party & placed on my credit report

Loan servicing, payments, escrow account

I went from XXXX to XXXX loan, tranferrred to XXXX loan. I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.

Unable to get credit report/credit score

TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE

False statements or representation

They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''

Incorrect information on your report

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

Received a loan I didn't apply for

ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. Thank! XXXX XXXX

Disclosure verification of debt

Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.

Loan servicing, payments, escrow account

Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month

Managing the loan or lease

I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.

False statements or representation

Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them

Took or threatened to take negative or legal action

In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.

Communication tactics

ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.

Loan modification,collection,foreclosure

I got conflicting information on an accepted loan mod from XXXX XXXX XXXX and do n't know what to do

Incorrect information on your report

Hello, I recently ran my credit report through XXXX and found multiple accounts being opened since 2015. Th e details to each account is highlighted on the attached file. Please advise, XXXX XXXX

Improper use of your report

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Improper use of your report

Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Closing/Cancelling account

Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.

Customer service / Customer relations

A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.

Incorrect information on credit report

I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?

Taking/threatening an illegal action

XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.

Incorrect information on credit report

Experian has listed Telephone Numbers listed on my credit report that I have no knowledge of in my past, I demand that XXXX, XXXX, XXXX be immediately removed from my credit report.

Incorrect information on your report

I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla

Billing disputes

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

Incorrect information on credit report

The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about 3 days ago it showed up on my report

Incorrect information on credit report

Court of Common Pleas or XXXX improperly placed this item on my credit report as this was included in my bankruptcy and I should not be held liable.

Incorrect information on your report

Experian is refusing to remove a false claim against me off of my credit record. Experian has received a false claim from XXXX XXXX XXXX and XXXX XXXX ; after I disputed, Experian agrees with the liars!

Incorrect information on your report

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

Managing the loan or lease

Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.

Attempts to collect debt not owed

Extremely rude and calling constantly asking me 30 times my name and trying to get info from me

Attempts to collect debt not owed

I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. They need to produce a copy to me or remove this account from my credit reports and stop all collections.

Incorrect information on your report

I have two hard inquiries hitting my credit report that I di not authorize. 1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Deposits and withdrawals

I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.

Credit monitoring or identity protection

Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!

Incorrect information on credit report

Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. Please help correcting the issue with this company.

Cont'd attempts collect debt not owed

this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money

Disclosure verification of debt

Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.

Dealing with my lender or servicer

The College I attended XXXX XXXX XXXX XXXX was shut down while still enrolled. I was not able to complete my program, but I still have to pay this private loan through UAS.

Dealing with my lender or servicer

My balance seems to never go down

Incorrect information on credit report

There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed

Cont'd attempts collect debt not owed

I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records

Incorrect information on your report

These addresses are errors. XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX

Incorrect information on credit report

I disputed inquires that was not made by me however i have not heard back from them.

Credit reporting company's investigation

MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.

Incorrect information on credit report

I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?

Credit reporting company's investigation

Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold

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

My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.

Dealing with my lender or servicer

My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.

Cont'd attempts collect debt not owed

I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.

Advertising and marketing

Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. ( I am also an XXXX permanent registered participant. )

Attempts to collect debt not owed

When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.

Incorrect information on credit report

On XXXX XXXX, 2017, I discovered XXXX XXXX XXXX XXXX - XXXX in the amount of {$840.00} and {$70.00} had been re-inserted into my Equifax credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Incorrect information on your report

XXXX of 2013, m ortgage loan with Chase was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.

Communication tactics

I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.

Improper use of your report

Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.

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

Unauthorized inquires are on my report from Capital One Bank, NA for the dates of XX/XX/XXXX and XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all XXXX credit bureaus. These items were not authorized by me and should NOT be reported.

Other fee

I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. I contacted Chase and asked it to refund the charged interest, it has flatly refused.

Improper use of your report

I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.

Improper use of my credit report

Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.

Dealing with my lender or servicer

I received my XXXX from XXXX XXXX in XX/XX/2012 and it cost me over XXXX. Based on the current CFPD lawsuit against XXXX for predatory lending, I feel I have a legitimate complaint. I would like my loan discharged or made reasonable.

Problems when you are unable to pay

they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.

Incorrect information on credit report

There are XXXX collection accounts on my TransUnion credit report that do not belong to me. I did file disputes, but they are still there.

Using a debit or ATM card

I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.

Taking out the loan or lease

The credit bureaus are reporting credit that is not mine.

Incorrect information on your report

On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.

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

I check my credit scores via XXXX XXXX, XXXX XXXX and XXXX have arbitrarily and with out just cause lowered my credit scores Transunion by XXXX points and XXXX by XXXX points. I have recent inquiries and am update on all payments. They refuse to take my dispute.

Incorrect information on your report

I REPORTED TO XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.

Managing the loan or lease

I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.

Incorrect information on credit report

Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.

Incorrect information on your report

90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.

Communication tactics

I have repeatedly verbally requested them to stop calling me while I 'm at work and that I am paid XXXX and would be able to make a payment arrangement with them at the beginning of the month after I am paid but they continue to call XXXX times per day.

Incorrect information on credit report

There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file.

Communication tactics

Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Can't repay my loan

I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.

Making/receiving payments, sending money

I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.

Incorrect information on credit report

I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.

Dealing with my lender or servicer

My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.

Dealing with your lender or servicer

the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C. services number # XXXX ... me the client account number XXXX balance {$12000.00}

Cont'd attempts collect debt not owed

We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.

Credit monitoring or identity protection

Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions