Issue
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Money was not available when promised
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I was blocked by TD Bank to transfer money to my XXXX checking account.
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Credit reporting company's investigation
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I sent a letter to Equifax on XXXX, requesting a credit investigation. To date, I have received no response from Equifax whatsoever. XXXX responded to me right away, but not Equifax.
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Cont'd attempts collect debt not owed
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sallie mae calls my home about my sons student loans. he was XXXX old when he got the loan i did not cosign or have anything to do with him taking out the loan.XXXX does not live with me nor has he for 6 yrs but they continue to call me 1 to 2 times per week even though i have told them these facts.
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Late fee
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I paid my Chase-Southwest Airlines credit card on time as always, arranged online through my bank. I apparently typed the amount off by {$10.00}. This resulted in a $ XXXX+ finance charge for late payment. When I protested, they said this is a legitimate charge, as the late fee is on the full amount of the invoice, which was 0ver {$2000.00}. Is this allowed?
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Incorrect information on your report
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I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXXXXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
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Incorrect information on your report
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I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?
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Cont'd attempts collect debt not owed
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This debt was a result of identity theft and I have not only informed Bank of America, but I have been in contact with the FTC and the FDIC and recieved a packet of information that I am sending relevent information as well as a file from XXXX. I know you were notified that XXXX blocked your account and you choose to break the law as defined by the FTC.
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Disclosure verification of debt
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I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.
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Incorrect information on your report
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They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood.
No one gave them permission to use my name or my details
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Problem with a credit reporting company's investigation into an existing problem
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I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED.
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.
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Incorrect information on credit report
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I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a XXXX resolved and closed account so as not to adversely affect my Credit Score.
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXX Best regards XXXX XXXX XXXX
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Improper use of your report
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I have recently obtained a copy of my credit bureau – XXXX XXXX and XXXX credit report. It showed an inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
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Problem with a credit reporting company's investigation into an existing problem
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XX/XX/17 a dispute was filed to Trans Union and XXXX for a federal tax lien in the amount of {$11000.00}
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Incorrect information on your report
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There are many mistakes appear in my report without my understanding.
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Improper contact or sharing of info
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I have received multiple phone calls from someone who calls himself " XXXX XXXX '' with " Direct Recovery Services '' at my place of work after XXXX XXXX has been informed that I am not able to take collection calls while at work.
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Improper use of my credit report
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MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX
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Improper contact or sharing of info
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This company, Prime Business Service, is reporting a duplicate account and debt. I have disputed with them several times and they do no respond. XXXX companies can not collect on the same debt at the same time per the FCRA.
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Incorrect information on your report
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This is not my address nor do I have any debt located at this address.
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
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Cont'd attempts collect debt not owed
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Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
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Problems when you are unable to pay
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I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.
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Incorrect information on credit report
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XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED.
Thank you.
XXXX XXXX
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Cont'd attempts collect debt not owed
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Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.
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Closing an account
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I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you.
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
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Closing on a mortgage
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i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply
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Incorrect information on credit report
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Equifax is reporting the following liens on my credit. I have settled my portion of the liens and therefore they should be removed File Date : XXXX Amount : {$74000.00} Docket # : XXXX File Date:XXXX Amount : {$23000.00} Docket # : XXXX File Date : XXXX Amount : {$5100.00} Docket # : XXXX
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Incorrect information on credit report
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I requested my credit report from at XXXX and on the report from Experian there are many creditors that I do not recognize and also there are several adressess that do not match mi personal data. The other reports that I received from XXXX and XXXX are correct.
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Cont'd attempts collect debt not owed
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I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service.
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Incorrect information on your report
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I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
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Cont'd attempts collect debt not owed
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.I am a Medicare covered patient. Trying to balance bill I am not responsible for.
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Loan servicing, payments, escrow account
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My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up.
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}.
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.
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Loan servicing, payments, escrow account
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I made a payment of {$1200.00} on XXXX/XXXX/2015 which, as of today ( XXXX/XXXX/2015 ) still has not been applied to my account. The payment is being held in suspense. My mortgage payments are up to date ( next payment due XXXX/XXXX/2015 ) and the payment is not a partial payment ( normal monthly payment is {$950.00} ).
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Incorrect information on your report
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I have a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
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Problem with a purchase shown on your statement
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The bank has charged the account with late fees, forward the Fraudulent charges to the new account and allowed double charges from amazon.
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Incorrect information on credit report
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I paid XXXX last month to catch this account up to date and they are reporting paid up to date nor have they adjusted the months they say I was late and per document I sent you
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Loan servicing, payments, escrow account
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Ocwen has held onto 3 payments since 2014 ; per their own payment history ; there has not been a consummated loan modification because of the various mistakes that Ocwen has made.
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Disclosure verification of debt
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Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
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Attempts to collect debt not owed
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Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.
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Attempts to collect debt not owed
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This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition
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Problem with a credit reporting company's investigation into an existing problem
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XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
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Loan modification,collection,foreclosure
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I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.
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Fees
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I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.
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Getting a line of credit
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XX/XX/XXXX, I went into Chase to reestablish a relationship with them after my credit card was closed in XX/XX/XXXX. The banker told me Chase does not want to have a relationship with me with no explaination. I just want to have reestablish a relationship with this bank. Either an account or line of credit.
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Communication tactics
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Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.
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Problems caused by my funds being low
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I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.
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Cont'd attempts collect debt not owed
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Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.
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Taking out the loan or lease
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I have this debt that i do n't recognize and may be illegal.
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Incorrect information on credit report
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XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX.
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX.
Experian refuses to correct this information.
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Improper contact or sharing of info
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Collector called my employer asking what days I worked. It is against our policies to tell others a employees work schedule.so my employer called me saying they called and left their name. I called collector back and told them they should of left me a message on my phone instead of calling my work. They relied, they are n't allowed to leave messages!
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Problems when you are unable to pay
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I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.
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Credit reporting company's investigation
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Experian refuses to dipute wrong negative information on my report.
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Incorrect information on your report
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Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.
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Account opening, closing, or management
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Synchrony Bank began to erroneously charge me a fee on my XXXX XXXX account last XXXX. Despite spending hours on the phone multiple times with them, they continued to do so month after month. I finally closed the account a few weeks ago and still have not received a check for the amount in the account. This is unacceptable.
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Can't repay my loan
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I 'm trying to work with navient to lower my payment but they refuse to work with me. I have no way to pay the amount they set for me, and the interest is acumilating every month. Please help me.
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Managing an account
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There are two fraudulent checks cleared from my Citibank account by the same criminal individual ( altered my paid amount on the paper checks and submitted those ) for which I immediately notified citibank 20 days back. Filed police report and faxed my affidavit forms immediately to Citibank and they confirmed me on receiving the documents. However the bank made no effort to return my {$800.00} even after knowing this is forgery.
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Credit monitoring or identity protection
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I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.
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False statements or representation
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THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS
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Incorrect information on credit report
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XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.
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Incorrect information on your report
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I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.
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Cont'd attempts collect debt not owed
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AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
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Cont'd attempts collect debt not owed
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They continue to call and do not owe debt. They will not give me their companies information or my account #.
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Communication tactics
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Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.
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Cont'd attempts collect debt not owed
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Continuous letters requesting payment of debt not owned by me.
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Cont'd attempts collect debt not owed
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I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.
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Incorrect information on your report
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XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5] XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *** {
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Incorrect information on credit report
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XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
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Credit reporting company's investigation
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There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my report
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Improper use of your report
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XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
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Late fee
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Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.
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Improper use of your report
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I called XXXX and Equifax after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for XXXX years.
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Managing an account
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They lie my finds was not low I a copy of the which the credit union stated such, now the y claim I authorize the to pay over draft and I did not you can believe them if you like they have had more than 60 days as you well know can you help resolve this complaint a not.
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Incorrect information on your report
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My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well.
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/XXXX
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Disclosure verification of debt
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Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to ERC on XXXX XXXX, 2016. As of XXXX XXXX, 2016. They did not reply to my request therefore this account should be removed from all XXXX credit bureaus. The told the bureaus it was valid however they refused to provide proof.
As a result the account should have been removed.
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Dealing with my lender or servicer
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Please contact me about the serious concerns I have with Navient personnel in matters of falsifying company records, lack of integrity ( intentionally making untrue accusations and proven deceit ) and unacceptable customer service.
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Credit monitoring or identity protection
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Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. ''
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Identity theft / Fraud / Embezzlement
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I contacted capital one few times and I explain to them I have n't open up any accounts and I have XXXX inquiries on my credit report I never applied for credit card Credit inquiries XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016
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Loan modification,collection,foreclosure
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Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.
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Billing disputes
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I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.
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Improper use of your report
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On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed
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Dealing with my lender or servicer
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Navient is servicing the loan and they are telling me the only way I can have my over payment applied to the principal is to call them or contact them every month to provide special instructions on each individual payment. Every payment from here on out will be an over payment. This is unacceptable because I should n't have to spend an hour every month just to have them apply my payment correctly.
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Incorrect information on credit report
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I could only select one of the options above but there are actually XXXX. Account terms, Account Status and validation that the account even belongs to me. The issue is with XXXX XXXX Bank who reports different things to XXXX Equifax and XXXX, all are negative and severely damaging my credit report. I have filed a direct dispute with XXXX XXXX Bank in order for them to stop reporting inaccurate and damaging information to my credit report.
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Cont'd attempts collect debt not owed
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original account number was charged in a Chapter XXXX bankruptcy in XX/XX/XXXX Wa DOc # XXXX, then again in XX/XX/XXXX Wa DOc # XXXX. Because it gets sold and put back on. Since I have had it removed from my XXXX credit report and working on the other XXXX agencies, now the debt collector has decided to contact me, and say I owe the money
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Credit reporting company's investigation
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I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013.
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Struggling to pay mortgage
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There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.
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Attempts to collect debt not owed
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I was hit by a collection agency without any written notification of what it was in reference to. The Collection Bureau Hudson Valley is not a good corporate citizen and is trying to shake down Americans who owe nothing.
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Written notification about debt
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XX/XX/2015 {$180.00} Currently disputing.
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Problem with a lender or other company charging your account
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On XX/XX/2017 my savings account was debited in the amount of {$6000.00} by Bank of America at the request of third party not authorized to do so by me or any court of law and was an illegal theft of my funds.
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Incorrect information on your report
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INACCURATE INFORMATION VIOLATES HIPPA, CRA ITEMS ARE NOT CORRECT
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Improper use of your report
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this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim
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Incorrect information on your report
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I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine.
XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX
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Charged bank acct wrong day or amt
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I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
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Loan servicing, payments, escrow account
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My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years.
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.
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Incorrect information on credit report
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Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.
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Communication tactics
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I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.
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Improper use of your report
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I have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid
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Problem with a credit reporting company's investigation into an existing problem
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Credit reports state no payment made for the month of XX/XX/XXXX. According to banks own records this is not accurate.
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Dealing with my lender or servicer
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I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.
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Incorrect information on credit report
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Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.
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False statements or representation
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The collection is not bonded in Texas and can not legally collect debt. Please remove accounts from my credit report and confirm that the debt is not owed.
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False statements or representation
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I received a copy of my credit report and was amazed to see a {$10000.00} collection from a college I did not attend! I went to an orientation and considered attending XXXX XXXX XXXX in XX/XX/XXXX however I did not attend! I withdrew from all courses before the date that makes you financially responsible for tuition. However thousands of dollars have been put on my credit!
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APR or interest rate
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After over six years of timely payments, Citibank has my credit card in default status and has been billing me at an 29.95 % APR during this period.
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