determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper use of your report	I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report
Improper use of your report	Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Managing, opening, or closing your mobile wallet account	Locked out of TD online banking
Loan modification,collection,foreclosure	Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.
Charged fees or interest I didn't expect	I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.
Attempts to collect debt not owed	I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged
Improper use of your report	I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Other	My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.
Problem with a credit reporting company's investigation into an existing problem	There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.
Disclosure verification of debt	I have medical insurance and should not owe a medical bill, requesting proper validation again
Managing the loan or lease	When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of Money
Disclosure verification of debt	I applied for an auto loan today. The car dealer informed me that I have a derogatory collection on my XXXX credit report. He informed me the debt was from the City of XXXX and the collection agency that handles the debt is Rash Curtis & Associates. I was never aware of this debt nor did I ever receive any notification from Rash Curtis & Associates. I want them to validate this debt.
Incorrect information on credit report	Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. - XXXX XXXX XXXX XXXX, 2015
Attempts to collect debt not owed	I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc. Atlantic Credit and Finance , Inc. alleges that court took judgement on their behalf on X/XX/2010 , for which I was never requested to attend.
Problem with fraud alerts or security freezes	Freezes should be free. Fraud monitoring is insufficient.
Incorrect information on your report	I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.
Incorrect information on credit report	Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.
False statements or representation	Twice now I enter XXXX to the online payment form but they would change it to XXXX.
Problems when you are unable to pay	I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.
Dealing with your lender or servicer	FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan
Improper use of your report	They state my information has been affected. so without my consent my information was taken.
Incorrect information on credit report	Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.
Cont'd attempts collect debt not owed	XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.
Can't repay my loan	I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. How much of my balance is interest, fees, principal or any other charge?
Disclosure verification of debt	GM Financial is reporting under XXXX credit bureaus an account they have not verified
Closing your account	I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.
Unable to get your credit report or credit score	I received a letter from Capital One regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and XXXX. I contacted both agencies and they did not receive a inquiry from Capital One.
Other features, terms, or problems	- On XXXX XXXX , XXXX an over-payment of {$2700.00} was made to my Chase United Explorer Credit Card - On XXXX XXXX , XXXX I requested a refund check in the amount of {$2700.00}. I was told by Chase Custom er Service the check would be is
Managing an account	I have been charged XXXX overdraft fees due to account error in balance as well as service/atm issues leaving me unable to deposit cash at several locations. I am being treated unfairly and being blamed for issues by bofa reps. Also experienced a lack of customer appreciation and gratitude for being a loyal customer.
APR or interest rate	I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.
Incorrect information on your report	They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Money was not available when promised	On XXXX XXXX I requested withdrawal of my XXXX XXXX from Coinbase. They told me that I would receive an email to authorize the withdrawal in 48 hours. I have followed their directions and have yet to receive the email to initiate the authorization and withdrawal. XXXX ID : XXXX I have not received any correspondence back from Coinbase.
Dealing with your lender or servicer	I have XXXX dollars to repay the US debt Ed I never got I call from this goverment institution saying this. I found out that i had to pay this is because I went into my email account to figure out why my credit was so low. On XXXX XXXX, 2014 this debt was applied to my credit and for so long I havnt got a call from anyone.
Application, originator, mortgage broker	This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender
Fees or interest	XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.
Improper use of your report	I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.
Unable to get credit report/credit score	My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time
Credit reporting company's investigation	I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Account opening, closing, or management	In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.
Fees or interest	Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.
Improper contact or sharing of info	Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.
Incorrect information on credit report	Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.
Incorrect information on your report	XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. It appears on my credit as Child Support XXXX/LA
Other features, terms, or problems	I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.
Loan modification,collection,foreclosure	We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
Incorrect information on credit report	While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.
Loan servicing, payments, escrow account	The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.
False statements or representation	I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.
Loan servicing, payments, escrow account	OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? XXXX
Disclosure verification of debt	I need to receive validation of this account.
Managing the loan or lease	Took {$3000.00} loan for mother in law from dentist office, because she could n't get the loan, since she lives on SS paycheck.
Deposits and withdrawals	I submitted a mobile deposit to Bank of the West on Monday XXXX to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.
Taking out the loan or lease	Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Loan modification,collection,foreclosure	I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.
Improper use of your report	XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....
Improper use of your report	On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Improper use of your report	I did not authorize the following inquiries that are listed on my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Problem when making payments	I opened this card at Marshall 's inXX/XX/XXXX. I paid the entire balance off each month on this card. Then in XX/XX/XXXX they contacted me and told me that I was past due about {$600.00}, I told them that I always paid the balance off and asked how could I be past due. They did not have an explanation and now I found it listed on my credit report as in collections for {$930.00}. This is not correct and I need help to get this straightened out.
Incorrect information on your report	American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX
Dealing with my lender or servicer	In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.
Incorrect information on your report	Student loan taken out. I 've never been to school
Written notification about debt	NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.
Can't repay my loan	My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.
Cont'd attempts collect debt not owed	The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Struggling to pay mortgage	I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.
Improper use of your report	Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!
Problems at the end of the loan or lease	the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.
Cont'd attempts collect debt not owed	I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Improper use of your report	Equifax had my information stolen when their systems were breached and now my identity has been stolen.
Taking/threatening an illegal action	Some one by the name of XXXX keeps calling me at my place of employment, on my cell and residence and stating he works for Stevens and Michaels Associates XXXX, they are stating they have information on me and will come arrest me at my job or home, when asked what is this matter about, they get aggressive and do not give me any information. Also main number is always connecting to a voicemail to leave a message.
Unable to get credit report/credit score	I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.
Struggling to pay mortgage	The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.
Billing statement	Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business
Took or threatened to take negative or legal action	Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.
Incorrect information on credit report	I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!
Trouble during payment process	We paid off our loan XXXX , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to XXXX several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday XXXX XXXX , XXXX said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.
Problem with fraud alerts or security freezes	On last friday I received an email from equifax informing me that I may have been victimized of my personal information and provided an prompt to enter last six of my social security number and I did so. It responded yes I 've been victimized of my personal information being stolen. Please guide me in this matter to secure my information.
Taking out the loan or lease	I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?
Dealing with my lender or servicer	I request debt validation. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.
Cont'd attempts collect debt not owed	Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. STELLAR RECOVERY INC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Opening an account	I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.
Incorrect information on your report	Care Credit Incorrectly Reported information to the Credit Bueras ...
Attempts to collect debt not owed	This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
False statements or representation	Not reporting correct date with credit grantor should be showing XXXX!
Problem with a credit reporting company's investigation into an existing problem	Balance of XXXX public record was included in bankruptcy and should have never been reported.
Written notification about debt	Navient has deemed a debt marked as Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.
Incorrect information on credit report	all XXXX credit reports have a state tax lien that does n't belong to be. {$1200.00}
Attempts to collect debt not owed	This company is reporting XXXX separate accounts that are linked to my SSN, dates ranging from XXXX XXXX , 2008- XXXX XXXX , 2008 . All XXXX accounts are with a XXXX balance, however it is reporting as a bad charge off/ closed account to the XXXX credit burea us XXXX , XXXX , and XXXX . This information is incorrect and is hindering me from having a better credit report/score
Attempts to collect debt not owed	This involves a company called " XXXX '' concerning the lease of a bed mattress. I paid on this account for months, contacted XXXX on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!
Problems caused by my funds being low	I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!
Attempts to collect debt not owed	Debt is not mine
Loan servicing, payments, escrow account	The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.
Disclosure verification of debt	I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.
Incorrect information on your report	Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.
Incorrect information on credit report	More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.
Other transaction issues	Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!
Incorrect information on credit report	I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct
Cont'd attempts collect debt not owed	AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.

Improper use of your report

I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report

Improper use of your report

Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Managing, opening, or closing your mobile wallet account

Locked out of TD online banking

Loan modification,collection,foreclosure

Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.

Charged fees or interest I didn't expect

I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.

Attempts to collect debt not owed

I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged

Improper use of your report

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Other

My credit card company, Wells Fargo, does not state an end of a billing cycle date. I have been told by customer service that the billing cycle is 30 days, most months. Since Wells Fargo does not list which months will not have a 30 day billing cycle, I do not know the exact date of the end of a monthly credit card cycle. By not disclosing the exact end date of a billing cycle it is difficult to manage my expenses.

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

There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.

Disclosure verification of debt

I have medical insurance and should not owe a medical bill, requesting proper validation again

Managing the loan or lease

When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of Money

Disclosure verification of debt

I applied for an auto loan today. The car dealer informed me that I have a derogatory collection on my XXXX credit report. He informed me the debt was from the City of XXXX and the collection agency that handles the debt is Rash Curtis & Associates. I was never aware of this debt nor did I ever receive any notification from Rash Curtis & Associates. I want them to validate this debt.

Incorrect information on credit report

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. - XXXX XXXX XXXX XXXX, 2015

Attempts to collect debt not owed

I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc. Atlantic Credit and Finance , Inc. alleges that court took judgement on their behalf on X/XX/2010 , for which I was never requested to attend.

Problem with fraud alerts or security freezes

Freezes should be free. Fraud monitoring is insufficient.

Incorrect information on your report

I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.

Incorrect information on credit report

Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.

False statements or representation

Twice now I enter XXXX to the online payment form but they would change it to XXXX.

Problems when you are unable to pay

I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.

Dealing with your lender or servicer

FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan

Improper use of your report

They state my information has been affected. so without my consent my information was taken.

Incorrect information on credit report

Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.

Cont'd attempts collect debt not owed

XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.

Can't repay my loan

I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. How much of my balance is interest, fees, principal or any other charge?

Disclosure verification of debt

GM Financial is reporting under XXXX credit bureaus an account they have not verified

Closing your account

I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.

Unable to get your credit report or credit score

I received a letter from Capital One regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and XXXX. I contacted both agencies and they did not receive a inquiry from Capital One.

Other features, terms, or problems

- On XXXX XXXX , XXXX an over-payment of {$2700.00} was made to my Chase United Explorer Credit Card - On XXXX XXXX , XXXX I requested a refund check in the amount of {$2700.00}. I was told by Chase Custom er Service the check would be is

Managing an account

I have been charged XXXX overdraft fees due to account error in balance as well as service/atm issues leaving me unable to deposit cash at several locations. I am being treated unfairly and being blamed for issues by bofa reps. Also experienced a lack of customer appreciation and gratitude for being a loyal customer.

APR or interest rate

I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.

Incorrect information on your report

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.

Money was not available when promised

On XXXX XXXX I requested withdrawal of my XXXX XXXX from Coinbase. They told me that I would receive an email to authorize the withdrawal in 48 hours. I have followed their directions and have yet to receive the email to initiate the authorization and withdrawal. XXXX ID : XXXX I have not received any correspondence back from Coinbase.

Dealing with your lender or servicer

I have XXXX dollars to repay the US debt Ed I never got I call from this goverment institution saying this. I found out that i had to pay this is because I went into my email account to figure out why my credit was so low. On XXXX XXXX, 2014 this debt was applied to my credit and for so long I havnt got a call from anyone.

Application, originator, mortgage broker

This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender

Fees or interest

XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.

Improper use of your report

I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.

Unable to get credit report/credit score

My score was XXXX then turned to XXXX sudenly XXXX month ago and I pay my bills in time

Credit reporting company's investigation

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Account opening, closing, or management

In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.

Fees or interest

Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.

Improper contact or sharing of info

Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.

Incorrect information on credit report

Equifax is not responding to my requests to investigate items on my credit report that do not belong to me.

Incorrect information on your report

XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. It appears on my credit as Child Support XXXX/LA

Other features, terms, or problems

I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.

Loan modification,collection,foreclosure

We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.

Incorrect information on credit report

While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.

Loan servicing, payments, escrow account

The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.

False statements or representation

I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.

Loan servicing, payments, escrow account

OCWEN Mortgage sent me a check recently for overpaying my Escrow. A few months later they tell me I 'm short on my Escrow so they increase my monthly mortgage fees. I have a feeling I 'm not the only one they did this too. Is this illegal? XXXX

Disclosure verification of debt

I need to receive validation of this account.

Managing the loan or lease

Took {$3000.00} loan for mother in law from dentist office, because she could n't get the loan, since she lives on SS paycheck.

Deposits and withdrawals

I submitted a mobile deposit to Bank of the West on Monday XXXX to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.

Taking out the loan or lease

Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.

Incorrect information on your report

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

Loan modification,collection,foreclosure

I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.

Improper use of your report

XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....

Improper use of your report

On XX/XX/2017 I applied for a personal loan with a few companies. One of the companies that I applied with was One Main Financial. Their advertising states that applying has no impact or bearing on your credit. After I applied for the loan and was approved, I opted not to move forward, however the next day they pulled my credit and it now reflects as a hard inquiry. It currently reflects on my CBR as ONEMAIN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Improper use of your report

I did not authorize the following inquiries that are listed on my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Problem when making payments

I opened this card at Marshall 's inXX/XX/XXXX. I paid the entire balance off each month on this card. Then in XX/XX/XXXX they contacted me and told me that I was past due about {$600.00}, I told them that I always paid the balance off and asked how could I be past due. They did not have an explanation and now I found it listed on my credit report as in collections for {$930.00}. This is not correct and I need help to get this straightened out.

Incorrect information on your report

American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX

Dealing with my lender or servicer

In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.

Incorrect information on your report

Student loan taken out. I 've never been to school

Written notification about debt

NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.

Can't repay my loan

My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.

Cont'd attempts collect debt not owed

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Struggling to pay mortgage

I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.

Improper use of your report

Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!

Problems at the end of the loan or lease

the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.

Cont'd attempts collect debt not owed

I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.

Incorrect information on your report

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

Improper use of your report

Equifax had my information stolen when their systems were breached and now my identity has been stolen.

Taking/threatening an illegal action

Some one by the name of XXXX keeps calling me at my place of employment, on my cell and residence and stating he works for Stevens and Michaels Associates XXXX, they are stating they have information on me and will come arrest me at my job or home, when asked what is this matter about, they get aggressive and do not give me any information. Also main number is always connecting to a voicemail to leave a message.

Unable to get credit report/credit score

I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.

Struggling to pay mortgage

The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.

Billing statement

Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business

Took or threatened to take negative or legal action

Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.

Incorrect information on credit report

I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!

Trouble during payment process

We paid off our loan XXXX , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to XXXX several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday XXXX XXXX , XXXX said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.

Problem with fraud alerts or security freezes

On last friday I received an email from equifax informing me that I may have been victimized of my personal information and provided an prompt to enter last six of my social security number and I did so. It responded yes I 've been victimized of my personal information being stolen. Please guide me in this matter to secure my information.

Taking out the loan or lease

I received a loan from Drive Financial in the amount of {$15000.00} in 2008. The loan was secured through a XXXX dealership. Santander purchased the loan. As of today, I have paid over {$33000.00} on the loan and still owe {$9100.00}. How is this legal?

Dealing with my lender or servicer

I request debt validation. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature.

Cont'd attempts collect debt not owed

Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. STELLAR RECOVERY INC . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Opening an account

I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.

Incorrect information on your report

Care Credit Incorrectly Reported information to the Credit Bueras ...

Attempts to collect debt not owed

This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.

False statements or representation

Not reporting correct date with credit grantor should be showing XXXX!

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

Balance of XXXX public record was included in bankruptcy and should have never been reported.

Written notification about debt

Navient has deemed a debt marked as Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.

Incorrect information on credit report

all XXXX credit reports have a state tax lien that does n't belong to be. {$1200.00}

Attempts to collect debt not owed

This company is reporting XXXX separate accounts that are linked to my SSN, dates ranging from XXXX XXXX , 2008- XXXX XXXX , 2008 . All XXXX accounts are with a XXXX balance, however it is reporting as a bad charge off/ closed account to the XXXX credit burea us XXXX , XXXX , and XXXX . This information is incorrect and is hindering me from having a better credit report/score

Attempts to collect debt not owed

This involves a company called " XXXX '' concerning the lease of a bed mattress. I paid on this account for months, contacted XXXX on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!

Problems caused by my funds being low

I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!

Attempts to collect debt not owed

Debt is not mine

Loan servicing, payments, escrow account

The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.

Disclosure verification of debt

I called in regarding a debt that was being collected on. I was calling to dispute the debt and was not advised to write a letter stating the dispute. I called back in to verify and was hung up on. The third time the agent was correct in saying I needed to write a letter ; however, it was after I stated the requirement.

Incorrect information on your report

Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.

Incorrect information on credit report

More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.

Other transaction issues

Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!

Incorrect information on credit report

I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct

Cont'd attempts collect debt not owed

AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.