determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.
Incorrect information on credit report	Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.
Managing an account	- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Rece
Incorrect information on credit report	I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.
Cont'd attempts collect debt not owed	XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.
Problem with a credit reporting company's investigation into an existing problem	bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.
Written notification about debt	Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.
Managing the loan or lease	My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.
Improper contact or sharing of info	They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Other features, terms, or problems	XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.
Account opening, closing, or management	BBVA XXXX closed my accounts out of the blue with no explanation. To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination
Incorrect information on credit report	I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable.
Took or threatened to take negative or legal action	Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty
Deposits and withdrawals	Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?
Problem with fraud alerts or security freezes	I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.
Written notification about debt	I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. <P/>I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. <P/>I was forced to file Bankruptcy to stop the sale.
Cont'd attempts collect debt not owed	I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment
Fees or interest	I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.
Incorrect information on credit report	Account was included in bankruptcy but not being listed as such. Account is being reported as open Limit, left blank Closed date, blank Companies both verified that this false information is true, and made no changes
Problem when making payments	Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.
Improper contact or sharing of info	Contacted a relative after I asked them not to repeatedly
Cont'd attempts collect debt not owed	Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.
Attempts to collect debt not owed	I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.
Improper use of your report	I never authorized these accounts or Inquiries. My signature is not on anything. XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX
Incorrect information on your report	I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.
False statements or representation	Due to a serious health issue i asked to leave before my lease was up and was told i would still be charged. I had 3 months before mt lease was up.
Loan servicing, payments, escrow account	Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.
Improper contact or sharing of info	XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
Incorrect information on credit report	I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Incorrect information on your report	cra violation information is inaccurate no knowledge of accounts sent to credit bureaus
Attempts to collect debt not owed	I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS
Cont'd attempts collect debt not owed	Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on your report	I never consented to be a co signer, account does not belong to me, I am a victim of fraud.
Incorrect information on credit report	I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.
Problem with fraud alerts or security freezes	I have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.
Cont'd attempts collect debt not owed	CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.
Application, originator, mortgage broker	I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.
Trouble during payment process	I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Billing statement	on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.
Cont'd attempts collect debt not owed	I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company
Problem with a credit reporting company's investigation into an existing problem	On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.
Improper use of your report	Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.
Disclosure verification of debt	The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX
Disclosure verification of debt	Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.
Overlimit fee	Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.
Improper use of your report	I had a few hard inquiries without my consent.
Application, originator, mortgage broker	Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.
Communication tactics	This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.
Incorrect information on your report	Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	Identity theft victim, police report # XXXX.
Loan modification,collection,foreclosure	Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.
Incorrect information on your report	Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.
Loan servicing, payments, escrow account	This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.
Dealing with my lender or servicer	My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.
Incorrect information on credit report	That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Improper use of your report	I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Getting a loan	XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.
Incorrect information on credit report	I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Incorrect information on your report	I ran my credit report and XXXX was in it for a bad debt. <P/> XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX The balance they said I owe is {$150.00}. <P/> I do not have an acct with them. I suspect fraud. They do n't have a phone number. <P/> Please help me resolve this and get if off my credit report.
Improper contact or sharing of info	I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
Dealing with my lender or servicer	PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.
Payoff process	I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.
Charged fees or interest you didn't expect	On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
Application, originator, mortgage broker	Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.
Problem with a credit reporting company's investigation into an existing problem	Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
Incorrect information on your report	XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.
Problem with a credit reporting company's investigation into an existing problem	Communication sent to me states investigation started on XXXX XXXX and completed XXXX XXXX . When I called to inquired, I was told investigation started on XXXX XXXX and completed XXXX XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.
Written notification about debt	sent a letter all i got back was a bill
Incorrect information on credit report	A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.
Incorrect information on your report	There 's terrible mistake in my report, why have many unauthorized inquiries appear
Improper contact or sharing of info	I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX
Improper contact or sharing of info	I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.
Incorrect information on your report	XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.
Trouble during payment process	We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
Problem with a credit reporting company's investigation into an existing problem	The credit agencies still have this account listed and per XXXX they requested it be removed. This has been listed and it needs to be removed
Billing statement	I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.
Taking/threatening an illegal action	Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.
Written notification about debt	My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Communication tactics	XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.
Attempts to collect debt not owed	XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
Incorrect information on your report	This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.
Attempts to collect debt not owed	I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.
Improper use of your report	Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.
False statements or representation	I have tried several times to work out with this company they keep reporting the incorrect amount is owed
Incorrect information on credit report	Trans Union report mine account of XXXX XXXX XXXX XXXX ****. This account it s not mine.
Loan servicing, payments, escrow account	My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.
Other service problem	Have an account at coinbase, after loosing my XXXX-app i have no possibility to get access to my account/money. Resetting the XXXX is offered but it does n't work ( service does not work ) and i 'm still trying it daily but no success. support does n't react, seems like a fraud..
Communication tactics	I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.
Fraud or scam	I paid XXXX XXXX of XXXX XXXX XXXX {$7000.00} to develop a computer/tablet/phone app and never received it. I was told by Paypal reps that i was covered under their Buyer Protection Policy so I disputed all XXXX separate transactions with Paypal. After the disputes were filed, Paypal declined them and refuses to help me get my money back.
Unable to get your credit report or credit score	Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.
Cont'd attempts collect debt not owed	The Statute of limitations expired after 4 years, this is now 8years ago.
Closing/Cancelling account	Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015
Incorrect information on your report	I have a Walmart i card Account ending in XXXX for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the XXXX i once had.
Incorrect information on credit report	I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit
Cont'd attempts collect debt not owed	I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.
Fraud or scam	I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.

Incorrect information on credit report

I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.

Incorrect information on credit report

Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.

Managing an account

- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Rece

Incorrect information on credit report

I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.

Cont'd attempts collect debt not owed

XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.

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

bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

Written notification about debt

Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.

Managing the loan or lease

My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.

Improper contact or sharing of info

They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.

Incorrect information on your report

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

Other features, terms, or problems

XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.

Account opening, closing, or management

BBVA XXXX closed my accounts out of the blue with no explanation. To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination

Incorrect information on credit report

I was denied credit because Trans Union had a collection notice on my account that should have bene closed in XXXX of 2012. ( Office XXXX billed me and I did not pay because I already paid ). Called Trans Union and their foreign call center said they could not take it off that day, even though I had all the information needed. I was told it would take up to 30 days which is unacceptable.

Took or threatened to take negative or legal action

Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty

Deposits and withdrawals

Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?

Problem with fraud alerts or security freezes

I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.

Written notification about debt

I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale X/XX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.

Cont'd attempts collect debt not owed

I am being brought to court for a debt that has been paid and removed from my credit report 6 months ago. Just last week I got a summons to appear in court to pay a debt that has already been satisfied. Now my credit score is down. How is this legal? If I do n't go to court the law will favor the collection agency and garnish my wages. Yet I 've already paid this debt, and have proof of payment

Fees or interest

I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.

Incorrect information on credit report

Account was included in bankruptcy but not being listed as such. Account is being reported as open Limit, left blank Closed date, blank Companies both verified that this false information is true, and made no changes

Problem when making payments

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.

Improper contact or sharing of info

Contacted a relative after I asked them not to repeatedly

Cont'd attempts collect debt not owed

Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.

Attempts to collect debt not owed

I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.

Improper use of your report

I never authorized these accounts or Inquiries. My signature is not on anything. XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX

Incorrect information on your report

I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.

False statements or representation

Due to a serious health issue i asked to leave before my lease was up and was told i would still be charged. I had 3 months before mt lease was up.

Loan servicing, payments, escrow account

Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.

Improper contact or sharing of info

XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Incorrect information on credit report

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Incorrect information on your report

cra violation information is inaccurate no knowledge of accounts sent to credit bureaus

Attempts to collect debt not owed

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

Cont'd attempts collect debt not owed

Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Incorrect information on your report

I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Incorrect information on credit report

I have raised this issue for the past six months and every week for the Month of XXXX and have found that the Status is OPEN and should be UNKNOWN which is been reported as serious delinquent for the past 24 months that reflects XXXX points decrease in Equifax reporting company.

Problem with fraud alerts or security freezes

I have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.

Cont'd attempts collect debt not owed

CBE Group, Inc sent a bogus notification of debt collection for XXXX saying that my account is past due, and instructing me to send money via a website, via credit card, or debit card, or via money order. They listed a disconnection date of XXXX/XXXX/15. However, they list an account number that it is not mine, and XXXX never disconnected my number on such date.

Application, originator, mortgage broker

I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.

Trouble during payment process

I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.

Incorrect information on your report

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

Billing statement

on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.

Cont'd attempts collect debt not owed

I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company

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

On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

Improper use of your report

Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

Disclosure verification of debt

The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX

Disclosure verification of debt

Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.

Overlimit fee

Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.

Improper use of your report

I had a few hard inquiries without my consent.

Application, originator, mortgage broker

Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.

Communication tactics

This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.

Incorrect information on your report

Experian has a social security number " variant '' in my data. I tried to create a dispute with their online tool but they refuse to make the change online and will only allow a phone call. I tried calling them, but the wait time is estimated at over an hour. I do n't have a phone with a battery large enough to be waiting that long.

Incorrect information on your report

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

Incorrect information on your report

Identity theft victim, police report # XXXX.

Loan modification,collection,foreclosure

Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.

Incorrect information on your report

Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.

Loan servicing, payments, escrow account

This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.

Dealing with my lender or servicer

My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.

Incorrect information on credit report

That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Improper use of your report

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

Getting a loan

XXXX is not reporting payments made to my Student Loan. XXXX has not reporting any of my employments. Also XXXX just dropped my credit score by XXXX points with no indication as to why it dropped so dramatically. Also through XXXX there is a hard inquiry for XXXX which I have never iquired about. I also have XXXX open collections which have been paid off that XXXX has not removed from my credit report. XXXX is truely the worst credt bureau to have to deal with.

Incorrect information on credit report

I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Incorrect information on your report

I ran my credit report and XXXX was in it for a bad debt. XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX The balance they said I owe is {$150.00}. I do not have an acct with them. I suspect fraud. They do n't have a phone number. Please help me resolve this and get if off my credit report.

Improper contact or sharing of info

I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Dealing with my lender or servicer

PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.

Payoff process

I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.

Charged fees or interest you didn't expect

On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.

Application, originator, mortgage broker

Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.

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

Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking wells Fargo to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.

Incorrect information on your report

XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.

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

Communication sent to me states investigation started on XXXX XXXX and completed XXXX XXXX . When I called to inquired, I was told investigation started on XXXX XXXX and completed XXXX XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.

Written notification about debt

sent a letter all i got back was a bill

Incorrect information on credit report

A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.

Incorrect information on your report

There 's terrible mistake in my report, why have many unauthorized inquiries appear

Improper contact or sharing of info

I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX

Improper contact or sharing of info

I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.

Incorrect information on your report

XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

Trouble during payment process

We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX

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

The credit agencies still have this account listed and per XXXX they requested it be removed. This has been listed and it needs to be removed

Billing statement

I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.

Taking/threatening an illegal action

Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.

Written notification about debt

My contract with XXXX XXXX XXXX had expired in XXXX 2016. After my contract expired I was billed {$71.00} I asked the XXXX XXXX XXXX representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.

Communication tactics

XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.

Attempts to collect debt not owed

XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Incorrect information on your report

This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.

Attempts to collect debt not owed

I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.

Improper use of your report

Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

False statements or representation

I have tried several times to work out with this company they keep reporting the incorrect amount is owed

Incorrect information on credit report

Trans Union report mine account of XXXX XXXX XXXX XXXX ****. This account it s not mine.

Loan servicing, payments, escrow account

My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.