determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	My parents credit information is on my credit report.
Opening an account	Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply
Incorrect information on your report	I have a soft inquire from XXXX XXXX . I never had no dealing with XXXX XXXX . Please remove this from my inquires. Hard inquiry from XXXX . I never had no dealings with XXXX . Please remove. XXXX XXXX XXXX has been close d ( Paid and closed ) and should be removed from my report . XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( C LOSED ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( C LOSED )
Written notification about debt	I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Credit reporting company's investigation	XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.
Incorrect information on credit report	There is no way to dispute this on the online equifax reporting method and I could not obtain a phone number to call. There are numerous accounts on my credit report that are no longer considered in my average account age
Cont'd attempts collect debt not owed	I received a call from Dynamic Recovery Solutions ( XXXX, SC ). I was informed that I owe a debt that dates from 1989. I informed them that I did not recall said debt. In addition, I informed them of NYS law regarding statue of limitations ( 6 years ). I received mail attempting to collect debt.
Incorrect information on your report	This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in XXXX I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.
Credit reporting company's investigation	I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress report.
Attempts to collect debt not owed	On XX/XX/XXXX I applied for a credit card online with Kohl 's. It was approved for {$300.00} and I placed an order for about {$200.00}. I was checking my account online today when I noticed the balance was - {$280.00}. I owed {$580.00} the exact amount discharged in Bankruptcy on XX/XX/XXXX. They took the {$300.00} and added the {$580.00} which comes out to a negative {$280.00}.
Cont'd attempts collect debt not owed	I do not have knowledge of this debt that is trying to be collected.
Incorrect information on your report	I have contacted Experian and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
Struggling to pay mortgage	We are in the process of trying to do a short sale on our home in XXXX , CT. On XX/XX/XXXX I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.
Credit reporting company's investigation	I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.
Closing/Cancelling account	I had an account that was closed over 7 years ago and its still being reported on the credit agencies. Please have them remove it thank you
Communication tactics	The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!
Loan servicing, payments, escrow account	This is additional information for case # XXXX, which I filed last month. Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.
Taking/threatening an illegal action	UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.
Improper use of your report	Improper use of identity file without consent in violation of FDCPA.
Improper use of my credit report	this not my account so please remove
Cont'd attempts collect debt not owed	I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
Managing the loan or lease	My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.
Disclosure verification of debt	I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.
Incorrect information on your report	Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Improper use of your report	I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. The representative refused to help me.
Improper use of your report	EQUIFAX has placed me into a tough situation leaving the possibility of my person information hacked.
Account opening, closing, or management	i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call
Incorrect information on your report	The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
Improper use of your report	hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.
Loan servicing, payments, escrow account	My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.
Problems caused by my funds being low	I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.
Application, originator, mortgage broker	Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.
Incorrect information on your report	The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.
Loan servicing, payments, escrow account	Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. please refer to case number XXXX
Taking/threatening an illegal action	Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.
Incorrect information on your report	PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Cont'd attempts collect debt not owed	This debt to XXXX is not mine.
Incorrect information on your report	A fraudulent account was opened in my name. It was disputed and removed from XXXX as well as Equifax but when I disputed it with XXXX the results were that it remains on my file. This is not right, how can it be removed from XXXX of my reports for fraud and not XXXX ? I contacted XXXX and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.
Communication tactics	Robocalls about PHONY legal and/or debt problem from XXXX TX exchange - many times a day to our business phone line. No one at the XXXX or XXXX XXXX XXXX to talk to.
Communication tactics	I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.
Incorrect information on credit report	TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. See Attached letter to TransUnion.
Improper use of your report	During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )
Cont'd attempts collect debt not owed	I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
Transaction issue	I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.
False statements or representation	Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail
Cont'd attempts collect debt not owed	my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed
Problem with a credit reporting company's investigation into an existing problem	TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
Fees or interest	I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant '' appears as " Bank '' on invoices,
Incorrect information on credit report	I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.
Incorrect information on your report	Account was opened older than 10 years and should be removed from credit report.
Attempts to collect debt not owed	On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.
Cont'd attempts collect debt not owed	I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.
Loan servicing, payments, escrow account	I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.
Incorrect information on your report	I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Problem with a credit reporting company's investigation into an existing problem	Credit bureau is in direct violation of Metro 2 compliance, FCRA, and FDCPA.
Trouble during payment process	I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true
Communication tactics	I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.
Problem with a credit reporting company's investigation into an existing problem	I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.
Incorrect information on credit report	CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.
Took or threatened to take negative or legal action	XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.
Cont'd attempts collect debt not owed	They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.
Identity theft / Fraud / Embezzlement	I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!
Advertising and marketing	I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.
Disclosure verification of debt	This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.
Incorrect information on your report	I have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.
Attempts to collect debt not owed	XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.
Disclosure verification of debt	Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
Incorrect information on credit report	I have received discharge order from bankruptcy court XX/XX/2000 But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).
Cont'd attempts collect debt not owed	I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Attempts to collect debt not owed	CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Account opening, closing, or management	I opened a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.
Communication tactics	This person has been calling for months claiming to be from the power company trying to save me money on bills. After XXXX the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.
Incorrect information on credit report	For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents.
Disclosure verification of debt	Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.
Can't repay my loan	I was currently on a payment plan and it stopped. I have asked to renew it via e-mail and tried calling the call center, but no one is answering. I have a video when I tried to call during there specified times, but no answer. E-Mail 's going back and forth to call the call center but still no answer from the call center.
Improper contact or sharing of info	After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.
Loan servicing, payments, escrow account	Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.
Cont'd attempts collect debt not owed	Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
Problem with a credit reporting company's investigation into an existing problem	I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. They have refused to properly investigate my dispute and delete the unverified accounts.
Identity theft / Fraud / Embezzlement	I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...
Cont'd attempts collect debt not owed	CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors.
Disclosure verification of debt	I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.
Account opening, closing, or management	Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.
Payoff process	paid and was told that it was going to be removed.
Credit reporting company's investigation	Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?
Incorrect information on credit report	One of the addressees on my report is not right. XXXX XXXX XXXX XXXX, OH XXXX
Disclosure verification of debt	I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. portfolio has not removed this from my credit reports or validated this bill.
Incorrect information on your report	I tried to fix this wish Transunion and they would not take care of the negative inquiries listed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Incorrect information on credit report	Tranunion reported me 30 days late after showing proof of paying my never late auto on time
Incorrect information on your report	Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.
Cont'd attempts collect debt not owed	Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.
Incorrect information on credit report	I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.
Trouble during payment process	Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.
Incorrect information on your report	On XXXX XXXX , I discovered XXXX XXXX XXXX XXXX was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.
Loan servicing, payments, escrow account	Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. Also they will not work with me on my 8.8 % interest rate.
Loan modification,collection,foreclosure	LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.
Cont'd attempts collect debt not owed	The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX
Communication tactics	this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling me?
Incorrect information on your report	I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.

Incorrect information on credit report

My parents credit information is on my credit report.

Opening an account

Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply

Incorrect information on your report

I have a soft inquire from XXXX XXXX . I never had no dealing with XXXX XXXX . Please remove this from my inquires. Hard inquiry from XXXX . I never had no dealings with XXXX . Please remove. XXXX XXXX XXXX has been close d ( Paid and closed ) and should be removed from my report . XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( C LOSED ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( C LOSED )

Written notification about debt

I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Credit reporting company's investigation

XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.

Incorrect information on credit report

There is no way to dispute this on the online equifax reporting method and I could not obtain a phone number to call. There are numerous accounts on my credit report that are no longer considered in my average account age

Cont'd attempts collect debt not owed

I received a call from Dynamic Recovery Solutions ( XXXX, SC ). I was informed that I owe a debt that dates from 1989. I informed them that I did not recall said debt. In addition, I informed them of NYS law regarding statue of limitations ( 6 years ). I received mail attempting to collect debt.

Incorrect information on your report

This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in XXXX I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.

Credit reporting company's investigation

I disputed the XXXX Bank account reporting in my credit report on XXXX XXXX, 2016 through XXXX XXXX. The 30 day period for investigation was over on XXXX XXXX, 2016 and I have received no verification of the account and it is still showing a investigation in progress report.

Attempts to collect debt not owed

On XX/XX/XXXX I applied for a credit card online with Kohl 's. It was approved for {$300.00} and I placed an order for about {$200.00}. I was checking my account online today when I noticed the balance was - {$280.00}. I owed {$580.00} the exact amount discharged in Bankruptcy on XX/XX/XXXX. They took the {$300.00} and added the {$580.00} which comes out to a negative {$280.00}.

Cont'd attempts collect debt not owed

I do not have knowledge of this debt that is trying to be collected.

Incorrect information on your report

I have contacted Experian and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.

Struggling to pay mortgage

We are in the process of trying to do a short sale on our home in XXXX , CT. On XX/XX/XXXX I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.

Credit reporting company's investigation

I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.

Closing/Cancelling account

I had an account that was closed over 7 years ago and its still being reported on the credit agencies. Please have them remove it thank you

Communication tactics

The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!

Loan servicing, payments, escrow account

This is additional information for case # XXXX, which I filed last month. Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.

Taking/threatening an illegal action

UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.

Improper use of your report

Improper use of identity file without consent in violation of FDCPA.

Improper use of my credit report

this not my account so please remove

Cont'd attempts collect debt not owed

I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from XX/XX/2009, 8 years old and 1 year past reporting the credit reports and ability to collect.

Managing the loan or lease

My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.

Disclosure verification of debt

I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.

Incorrect information on your report

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

Improper use of your report

I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. The representative refused to help me.

Improper use of your report

EQUIFAX has placed me into a tough situation leaving the possibility of my person information hacked.

Account opening, closing, or management

i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call

Incorrect information on your report

The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.

Improper use of your report

hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Loan servicing, payments, escrow account

My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.

Problems caused by my funds being low

I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.

Application, originator, mortgage broker

Refinanced mortgage with eRates Mortgage ( no prior refinance experience ). The refinance was supposed to be a no-cost loan. Was led to believe by the broker that the lender credit does not have to be on the HUD and will be taken care of separately. As a result a lender credit of XXXX {$2000.00} was not applied to the transaction.

Incorrect information on your report

The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.

Loan servicing, payments, escrow account

Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. please refer to case number XXXX

Taking/threatening an illegal action

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.

Incorrect information on your report

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

Cont'd attempts collect debt not owed

This debt to XXXX is not mine.

Incorrect information on your report

A fraudulent account was opened in my name. It was disputed and removed from XXXX as well as Equifax but when I disputed it with XXXX the results were that it remains on my file. This is not right, how can it be removed from XXXX of my reports for fraud and not XXXX ? I contacted XXXX and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.

Communication tactics

Robocalls about PHONY legal and/or debt problem from XXXX TX exchange - many times a day to our business phone line. No one at the XXXX or XXXX XXXX XXXX to talk to.

Communication tactics

I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.

Incorrect information on credit report

TransUnion is inaccurately and incompletely reporting credit history for my mortgage with XXXX XXXX. I have asked that this be corrected on numerous occasions without corrections being made. See Attached letter to TransUnion.

Improper use of your report

During the Equifax breach, my information was released and I fear my credit score will now be reduced significantly. As a XXXX looking to find a house, apply for loan, etc. This is of great concern to me and I do n't know what steps should be taken to protect and restore my credit ( if necessary )

Cont'd attempts collect debt not owed

I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.

Transaction issue

I always pay my balances in full. I went online to pay my account balance two days over due. I checked the box that said pay last statement 's balance which was {$740.00}. To this balance they added the charges for XXXX that had not yet come due totaling {$1600.00}. When I questioned them about it they said the payment was being processed, and there was nothing they could do about it.

False statements or representation

Called old family members threatened them and advising they Ned to pay XXXX debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail

Cont'd attempts collect debt not owed

my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

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

TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

Fees or interest

I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant '' appears as " Bank '' on invoices,

Incorrect information on credit report

I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.

Incorrect information on your report

Account was opened older than 10 years and should be removed from credit report.

Attempts to collect debt not owed

On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.

Cont'd attempts collect debt not owed

I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.

Loan servicing, payments, escrow account

I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.

Incorrect information on your report

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me

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

Credit bureau is in direct violation of Metro 2 compliance, FCRA, and FDCPA.

Trouble during payment process

I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!

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

XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true

Communication tactics

I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

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

I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

Incorrect information on credit report

CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.

Took or threatened to take negative or legal action

XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.

Cont'd attempts collect debt not owed

They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.

Identity theft / Fraud / Embezzlement

I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!

Advertising and marketing

I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.

Disclosure verification of debt

This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.

Incorrect information on your report

I have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.

Attempts to collect debt not owed

XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

Disclosure verification of debt

Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.

Incorrect information on credit report

I have received discharge order from bankruptcy court XX/XX/2000 But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).

Cont'd attempts collect debt not owed

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Attempts to collect debt not owed

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Account opening, closing, or management

I opened a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.

Communication tactics

This person has been calling for months claiming to be from the power company trying to save me money on bills. After XXXX the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.

Incorrect information on credit report

For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents.

Disclosure verification of debt

Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.

Can't repay my loan

I was currently on a payment plan and it stopped. I have asked to renew it via e-mail and tried calling the call center, but no one is answering. I have a video when I tried to call during there specified times, but no answer. E-Mail 's going back and forth to call the call center but still no answer from the call center.

Improper contact or sharing of info

After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.

Loan servicing, payments, escrow account

Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.

Cont'd attempts collect debt not owed

Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.

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

I have opened an investigation several times with this company in regards to them reporting unverifiable and inaccurate information in my credit file. They have refused to properly investigate my dispute and delete the unverified accounts.

Identity theft / Fraud / Embezzlement

I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...

Cont'd attempts collect debt not owed

CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors.

Disclosure verification of debt

I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.

Account opening, closing, or management

Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.

Payoff process

paid and was told that it was going to be removed.

Credit reporting company's investigation

Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?

Incorrect information on credit report

One of the addressees on my report is not right. XXXX XXXX XXXX XXXX, OH XXXX

Disclosure verification of debt

I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. portfolio has not removed this from my credit reports or validated this bill.

Incorrect information on your report

I tried to fix this wish Transunion and they would not take care of the negative inquiries listed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Incorrect information on credit report

Tranunion reported me 30 days late after showing proof of paying my never late auto on time

Incorrect information on your report

Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

Cont'd attempts collect debt not owed

Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.

Incorrect information on credit report

I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.

Trouble during payment process

Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.

Incorrect information on your report

On XXXX XXXX , I discovered XXXX XXXX XXXX XXXX was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

Loan servicing, payments, escrow account

Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. Also they will not work with me on my 8.8 % interest rate.

Loan modification,collection,foreclosure

LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.

Cont'd attempts collect debt not owed

The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX

Communication tactics

this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling me?

Incorrect information on your report

I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.