determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan servicing, payments, escrow account	I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.
Incorrect information on your report	I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.
Attempts to collect debt not owed	I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!
Managing the loan or lease	Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.
Attempts to collect debt not owed	XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.
Cont'd attempts collect debt not owed	All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.
Credit reporting company's investigation	XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.
Communication tactics	Failure to provide the address to which written disputes regarding underlying validity of the debt must be transmitted. Failure to provide accurate information regarding to which federal agency complaints could be lodged.
Taking/threatening an illegal action	My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.
Took or threatened to take negative or legal action	I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.
Incorrect information on your report	Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.
Incorrect information on your report	I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Attempts to collect debt not owed	I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.
Problem caused by your funds being low	Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.
Struggling to repay your loan	I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do
Cont'd attempts collect debt not owed	They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio
Cont'd attempts collect debt not owed	I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT
Taking/threatening an illegal action	The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.
Incorrect information on credit report	Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.
Loan modification,collection,foreclosure	I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.
Took or threatened to take negative or legal action	called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.
Cont'd attempts collect debt not owed	I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Improper contact or sharing of info	NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!
Billing disputes	Pay Pal holding my money and then putting me in collection for a {$3.00} negative balance.
Unable to get credit report/credit score	I need all XXXX I was able to get XXXX. XXXX and Equifax will not provide they have erroneous inform in my DOB. You can not call XXXX no customer service. I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.
Delinquent account	Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time!
Communication tactics	From XXXX XXXX to XXXX XXXX, Convergent Outsourcing , Inc. phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
Trouble during payment process	The website to access accounts serviced by SLS has not been working properly. When customers try to log-in, it 's nearly impossible to access one 's account. This is dangerous, especially for customers who have opted to receive periodic statements and other documentation electronically. This has been a persistent problem for months now. Their website does not work even if you tried using XXXX XXXX, XXXX or XXXX.
Problem caused by your funds being low	Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. I attached all the recent transactions. there is no negative balance. when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning
Other transaction issues	In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.
Improper use of your report	The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.
Disclosure verification of debt	MT BANK CONTINUES TO SEND MAILINGS REQUESTING PAYMENT THEY ARE NOT DUE.
Advertising and marketing, including promotional offers	Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.
Cont'd attempts collect debt not owed	I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.
Managing an account	I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.
Communication tactics	This debt collector is constantly calling my personal cell # asking for my daughter, XXXX XXXX. I have asked their Reps several times to stop calling and harassing me.
Incorrect information on your report	FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Communication tactics	Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.
Other features, terms, or problems	CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.
Incorrect information on your report	account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.
Incorrect information on your report	Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
Struggling to pay your loan	The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.
Improper use of your report	I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?
Incorrect information on your report	XXXX is reporting account number XXXX on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Other transaction problem	I am unable to transfer money from my XXXX XXXX XXXX accounts to XXXX.
Overlimit fee	My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.
Can't repay my loan	Hello, I received private loans in total of about XXXX from XXXX. I pay my monthly bill, which ranges from XXXX dollars over the decade. Majority of my pay goes to interest, so if i pay XXXX, XXXX goes to interest and only XXXX goes to principal. 10 years later, i now owe XXXX. There is no end in sight. This does not seem right and they will not reduce my payments or interests to help me pay off my debt. Can you help me?
Problems when you are unable to pay	American Honda Financial disclosed my loan information to my boss at work and revealed that I was 90 days past due which is a violation of the FDCPA
Account opening, closing, or management	This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.
Incorrect information on your report	XXXX XXXX XXXX is reporting fraudulent account on my report
Managing the loan or lease	Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.
Incorrect information on your report	According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Managing the loan or lease	Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage
Problem caused by your funds being low	XXXX XXXX rides equalling {$180.00} XXXX atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}
Incorrect information on credit report	I have got a lot things on my report that are not mine my identity was stolen years ago and I disputed the items they were removed and returned i tried to dispute them again and now it tells me that I do n't have a credit file i sent copies of bills drivers license social security card a now i am lost please help
Incorrect information on credit report	XXXX is reporting i owe them XXXX, it is untrue and they refuse to remove the derogetory mark from my acct
Dealing with my lender or servicer	Issues with repayment of loan and processing payments incorrectly. Please evaluate the issue and find a solution.
Incorrect information on credit report	On XXXX XXXX , 2017 th e IRS submitted a form XXXX withdrawing an IRS lien. XXXX immediately removed this lien from my credit report and my wife 's. I filed a dispute with Experian however their " investigation '' confirmed the lien was valid despite the fact that I submitted to them the IRS form XXXX and this form was recorded with the XXXX County Recorder 's Office, th e very office they state they verified the validity of the lien with.
Incorrect information on your report	Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them XXXX character rebuttal nor dispute options! This continues to impact my credit severely.
Credit monitoring or identity protection	I received my credit score for free, but agreed to pay {$1.00} to receive the physical report. About a week later I was charged {$17.00} and contacted my bank to dispute it only to find out that I had been charged a monthly recurring charge of {$17.00}. I was able to dispute it through my bank, however, it has caused me to cancel my debit card, order a new one, and change all of my direct deposits, automated bill pays, etc.
Incorrect information on credit report	Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. They ca n't seem to get it right. Sent over photos of my drivers license and social security car. I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?
Improper use of your report	I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.
Incorrect information on your report	On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
False statements or representation	attempting to collect 30 % collection costs, no agreement. collecting an invalid debt, debt does not exist.
False statements or representation	I have state medical my hold life
Struggling to pay your bill	Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. Respectfully, XXXX XXXX XXXX
Disclosure verification of debt	I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Problems caused by my funds being low	Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.
Improper use of your report	On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Incorrect information on your report	Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.
Incorrect information on credit report	I put a dispute countless times XXXX got the same results I am on XXXX XXXX all my expense are paid to in full Have part A B D XXXX have for years XXXX are medical bills on my account that should not be there XXXX they wo n't remove them the crediter is saying they find no accounts under my name with. Outstanding balance Need help
Problem with a purchase shown on your statement	XXXX Store Card c harged my credit card for purchases I did not authorize.
Cont'd attempts collect debt not owed	Open collection with ( I C SYSTEM ) a balance debts that is not mine. ( XXXX XXXX XXXX XXXX Never had a credit account with this creditor.
Attempts to collect debt not owed	I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were Bank of America and XXXX XXXX. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Communication tactics	I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls
Problem with a credit reporting company's investigation into an existing problem	Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dealing with my lender or servicer	I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.
Making/receiving payments, sending money	A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.
Loan modification,collection,foreclosure	We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not
Problem with a purchase or transfer	I have 3 cards, all purchased at $XXXX from the same XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, NY. Two of the cards were purchased and the cards inside had apparently been utilized in 2016 and the other said it was inactive. All 3 cards were charged properly to my credit card. I sent all of this info in and I have yet to hear back.This is a significant amount of money and I am in need of mediation.
Cont'd attempts collect debt not owed	Medical debts should have been reported to my insurance
Communication tactics	THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX
Attempts to collect debt not owed	This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt deleted
Communication tactics	I was called at XXXX two days in a row and woken up because of it. The third day I asked XXXX XXXX from Navy Federal not to call before XXXX any longer.
Incorrect information on your report	I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Struggling to repay your loan	I went to the University XXXX XXXX XXXX. Never finished the program, I went for less than a year. My financial aid through Navient is {$34000.00} and still going up.
Improper contact or sharing of info	First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.
Dealing with my lender or servicer	When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.
Improper use of your report	I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.
Improper use of your report	I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}. Thank You! These are the repayment terms that I can do because I am still unemployed.
Incorrect information on credit report	On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.
Attempts to collect debt not owed	Debt is in the amount of {$960.00} an was Disputed with all XXXX credit Bureau's..
Deposits and withdrawals	My mother had passed in 2009 and XXXX XXXX wrote checks against my estate account forging my name, removing approximately {$100000.00} from my estate account. M & T was aware of the fraud and the bank has refused to credit my account for the {$100000.00}. XXXX went to XXXX for a year, therefore I need your help in getting M & T to credit my present checking account for the $ XXXX.My signature was the only signature on the account.
Incorrect information on your report	Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.
Incorrect information on credit report	someone stole my information and opened up an account with XXXX.
Cont'd attempts collect debt not owed	First, this debt has been paid directly to the original creditor so this debt is invalid. Second, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
Account opening, closing, or management	Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.
Cont'd attempts collect debt not owed	Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out
Disclosure verification of debt	The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.

Loan servicing, payments, escrow account

I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.

Incorrect information on your report

I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

Attempts to collect debt not owed

I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!

Managing the loan or lease

Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.

Attempts to collect debt not owed

XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.

Cont'd attempts collect debt not owed

All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.

Credit reporting company's investigation

XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.

Communication tactics

Failure to provide the address to which written disputes regarding underlying validity of the debt must be transmitted. Failure to provide accurate information regarding to which federal agency complaints could be lodged.

Taking/threatening an illegal action

My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.

Took or threatened to take negative or legal action

I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.

Incorrect information on your report

Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.

Incorrect information on your report

I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX

Attempts to collect debt not owed

I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.

Problem caused by your funds being low

Once I was banking with Wells Fargo they intentionally over drawn my account to get there mortgage payment and charge a over draft fee. I called them to stop doing it they continue overdrawing my account every month. They said if it was not automati payment they can not accept the payment. It caused my other payment to come out of the account and overdraw my account and charge me a {$35.00} every single time. In one year XXXX dollars of fees.

Struggling to repay your loan

I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do

Cont'd attempts collect debt not owed

They have been calling numerous times during the day, everyday.They called at XXXX XXXX. and my fiance spoke to them and stated they were trying to contact a relative and would not state what the call was for, how they received my number, and requested the relative 's informatio

Cont'd attempts collect debt not owed

I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT

Taking/threatening an illegal action

The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.

Incorrect information on credit report

Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.

Loan modification,collection,foreclosure

I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.

Took or threatened to take negative or legal action

called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.

Cont'd attempts collect debt not owed

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Improper contact or sharing of info

NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!

Billing disputes

Pay Pal holding my money and then putting me in collection for a {$3.00} negative balance.

Unable to get credit report/credit score

I need all XXXX I was able to get XXXX. XXXX and Equifax will not provide they have erroneous inform in my DOB. You can not call XXXX no customer service. I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.

Delinquent account

Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time!

Communication tactics

From XXXX XXXX to XXXX XXXX, Convergent Outsourcing , Inc. phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.

Trouble during payment process

The website to access accounts serviced by SLS has not been working properly. When customers try to log-in, it 's nearly impossible to access one 's account. This is dangerous, especially for customers who have opted to receive periodic statements and other documentation electronically. This has been a persistent problem for months now. Their website does not work even if you tried using XXXX XXXX, XXXX or XXXX.

Problem caused by your funds being low

Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. I attached all the recent transactions. there is no negative balance. when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning

Other transaction issues

In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.

Improper use of your report

The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Disclosure verification of debt

MT BANK CONTINUES TO SEND MAILINGS REQUESTING PAYMENT THEY ARE NOT DUE.

Advertising and marketing, including promotional offers

Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.

Cont'd attempts collect debt not owed

I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.

Managing an account

I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.

Communication tactics

This debt collector is constantly calling my personal cell # asking for my daughter, XXXX XXXX. I have asked their Reps several times to stop calling and harassing me.

Incorrect information on your report

FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX

Communication tactics

Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.

Other features, terms, or problems

CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.

Incorrect information on your report

account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

Incorrect information on your report

Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX XXXX The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting

Struggling to pay your loan

The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.

Improper use of your report

I didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?

Incorrect information on your report

XXXX is reporting account number XXXX on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.