determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Unable to get credit report/credit score	On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.
Deposits and withdrawals	I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.
Incorrect information on credit report	I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.
Incorrect information on credit report	I have contacted the company on several occasions to add account to my credit report.
Problem with a credit reporting company's investigation into an existing problem	I contacted Experian for dispute on my credit report, they were unable to locate my file. I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.
Credit decision / Underwriting	I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!
Took or threatened to take negative or legal action	I received a letter by mail portraying a lawsuit against me.
Cont'd attempts collect debt not owed	I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.
Improper use of your report	The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.
Incorrect information on your report	XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.
Disclosure verification of debt	This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed
Loan modification,collection,foreclosure	This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!
Disclosure verification of debt	The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. Please Help me.
Incorrect information on credit report	Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.
Credit determination	I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.
Managing, opening, or closing account	I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.
Incorrect information on credit report	XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me
Incorrect information on your report	All of these inquiries just showed up on my report
Improper use of your report	All unauthorized, requested removal. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Taking/threatening an illegal action	Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.
Problem with a credit reporting company's investigation into an existing problem	Equifax was asked by myself and XXXX card to remove 5 hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
Improper use of your report	According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. Please Help, XXXX XXXX
Communication tactics	They tell me that I had owed a debt from XXXX credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse
Improper use of your report	I, like many others, had my personal information compromised as a result of the Equifax security breach that occurred sometime around XX/XX/XXXX or XXXX of 2017.
Cont'd attempts collect debt not owed	Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.
Unable to get credit report/credit score	I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.
Improper use of your report	These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX XXXX ''.
Improper use of your report	My data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.
Improper use of your report	Equifax was hacked. As a result, my personal information was divulged. This situation could potentially affect me and my family for the rest of our lives.
Cont'd attempts collect debt not owed	Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine. The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX?? According to the tradeline it states the debt was made around 2011 and its a payday loan??
Dealing with my lender or servicer	I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Cont'd attempts collect debt not owed	I was garnished through my employer in XX/XX/2007 and paid the debt in full. They are now coming back after 10 years saying I owe them more money and adding interest for the 10 years.
Improper use of your report	I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Incorrect information on credit report	On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.
Managing an account	I have a account with a company called XXXX XXXX but the are not receiving the data they need from my m y Chase or the y are always slow at sending XXXX XXXX the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.
Other	First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me
Cont'd attempts collect debt not owed	Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.
False statements or representation	I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
Closing/Cancelling account	I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.
Incorrect information on credit report	I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.
Incorrect information on credit report	The original Creditor had refused to close account and illegally charged late fees etc. This account has been paid in full and should be immediately be removed from my credit report. I have reached out to the Transunion on several occasions to have this issue resolved with no luck and lack of response.
Cont'd attempts collect debt not owed	This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.
Problem when making payments	My wife purchased clo thes from Macy 's and we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they
Written notification about debt	On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.
Credit reporting company's investigation	trans union did not verify negative information by sending consumer a copy of the negative information?
Shopping for a loan or lease	To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help
Incorrect information on your report	I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter
Loan servicing, payments, escrow account	mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling
Credit monitoring or identity theft protection services	This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016
Struggling to pay mortgage	My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.
Closing/Cancelling account	The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.
Account opening, closing, or management	XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.
Managing the loan or lease	I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Attempts to collect debt not owed	I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!
Incorrect information on your report	XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Attempts to collect debt not owed	XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX
Incorrect information on credit report	There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX
Improper use of your report	XXXX XXXX XXXX FAILED TO REMOVE AALL HARD INQUIRIES FROM TRANSUNION AS PROMISED.
Incorrect information on credit report	I have been denied housing and utilities based on a public record debt that was paid in full 2 years ago, but is not shown as such on my credit report.
Incorrect information on your report	I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc. Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.
Loan modification,collection,foreclosure	I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached
Incorrect information on your report	I have an address reporting to my XXXX, XXXX and Experian credit report that is not my address.
Loan modification,collection,foreclosure	I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE.
Incorrect information on your report	Low country credit sold me a lemon car, I could not. Afford to repair car, transmission cost XXXX To repair, I returned car, on my credit report is reporting that I still have vehicle, every month is saying payment past due, late payment
Cont'd attempts collect debt not owed	On my credit report there 's a debt from Midland Funding. When I asked them to verify they sent me info from someone with a completely different date of birth than mine. I would like this debt cleared from my credit reports.
False statements or representation	I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.
Credit reporting company's investigation	XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. Thank you, XXXX XXXX XXXX
Written notification about debt	XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Making/receiving payments, sending money	Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees
Cont'd attempts collect debt not owed	Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.
Attempts to collect debt not owed	XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.
Attempts to collect debt not owed	i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.
Problem with a credit reporting company's investigation into an existing problem	There was inquiry made by Wells Fargo on XXXX XXXX, 2017 by way of XXXX XXXX that was pulled by error. Enclosed is a letter from XXXX XXXX that was sent to Wells stating that fact that the inquiry was done in error. The inquiry still shows on my XXXX
Incorrect information on your report	I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.
Incorrect information on credit report	Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. Contract was cancelled. NO CONTRACT
Cont'd attempts collect debt not owed	I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.
Deposits and withdrawals	XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be
Cont'd attempts collect debt not owed	A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.
Incorrect information on credit report	There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind.
Using a debit or ATM card	PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.
Problems when you are unable to pay	ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..
Incorrect information on credit report	Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX
Improper use of your report	Unknown hard inquiries from XXXX XXXX and Amazon affecting my score
False statements or representation	On my XXXX & XXXX report s Midland Funding Credit is c ollecting on a debt from X/XX/2012 this is when the debt was charged off. I had medical issues & the original creditor was XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help. Thank you.
Incorrect information on your report	There was not a more applicable radio button. TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so. This seems like a drastic, unfair change.
Incorrect information on your report	4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
Attempts to collect debt not owed	I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.
Problem with a credit reporting company's investigation into an existing problem	National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Communication tactics	Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
Problems when you are unable to pay	On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.
Credit reporting company's investigation	They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached
Cont'd attempts collect debt not owed	I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.
Loan servicing, payments, escrow account	My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue
Improper use of your report	Several unauthorized inquiries
Cont'd attempts collect debt not owed	false information, this collection it 's not mine
Improper use of your report	BETWEEN XXXX XXXX ,2017 THRU XXXX XXXX ,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Disclosure verification of debt	I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.
Took or threatened to take negative or legal action	I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.

Incorrect information on your report

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

Unable to get credit report/credit score

On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.

Deposits and withdrawals

I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.

Incorrect information on credit report

I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.

Incorrect information on credit report

I have contacted the company on several occasions to add account to my credit report.

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

I contacted Experian for dispute on my credit report, they were unable to locate my file. I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File number.

Credit decision / Underwriting

I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!

Took or threatened to take negative or legal action

I received a letter by mail portraying a lawsuit against me.

Cont'd attempts collect debt not owed

I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.

Improper use of your report

The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.

Incorrect information on your report

XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.

Disclosure verification of debt

This is fraudulent. It is not mine. I got no notice, and disputed multiple times requesting information they do n't have and cant provide. kindly help me to get this removed

Loan modification,collection,foreclosure

This home was foreclosed on years ago and sold at auction. Yet, the 2nd mortgage is still currently updating and reporting a balance. They sent me a letter in regards to the auction sale years ago, but had not contacted me since. They should not be reporting a balance or updating recently on my credit!

Disclosure verification of debt

The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. Please Help me.

Incorrect information on credit report

Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.

Credit determination

I inquired about an alleged judgment or lawsuit filed by American Express back in XXXX. Rather than clearing-up the problem, American Express sent a response on XXXX XXXX, XXXX which XXXX then interpreted as a NEW judgment or lawsuit, which IS NOT ACCURATE, and it has gone onto my XXXX report and damaged my credit. I NEED TIS FIXED ASAP AND CONFIRMED AS FIXED TO ME.

Managing, opening, or closing account

I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.

Incorrect information on credit report

XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me

Incorrect information on your report

All of these inquiries just showed up on my report

Improper use of your report

All unauthorized, requested removal. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Taking/threatening an illegal action

Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.

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

Equifax was asked by myself and XXXX card to remove 5 hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Improper use of your report

According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. Please Help, XXXX XXXX

Communication tactics

They tell me that I had owed a debt from XXXX credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse

Improper use of your report

I, like many others, had my personal information compromised as a result of the Equifax security breach that occurred sometime around XX/XX/XXXX or XXXX of 2017.

Cont'd attempts collect debt not owed

Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.

Unable to get credit report/credit score

I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.

Improper use of your report

These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX XXXX ''.

Improper use of your report

My data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.

Improper use of your report

Equifax was hacked. As a result, my personal information was divulged. This situation could potentially affect me and my family for the rest of our lives.

Cont'd attempts collect debt not owed

Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine. The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX?? According to the tradeline it states the debt was made around 2011 and its a payday loan??

Dealing with my lender or servicer

I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.

Cont'd attempts collect debt not owed

I was garnished through my employer in XX/XX/2007 and paid the debt in full. They are now coming back after 10 years saying I owe them more money and adding interest for the 10 years.

Improper use of your report

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.

Incorrect information on credit report

On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.

Managing an account

I have a account with a company called XXXX XXXX but the are not receiving the data they need from my m y Chase or the y are always slow at sending XXXX XXXX the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.

Other

First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me

Cont'd attempts collect debt not owed

Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.

False statements or representation

I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.

Closing/Cancelling account

I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.

Incorrect information on credit report

I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.

Incorrect information on credit report

The original Creditor had refused to close account and illegally charged late fees etc. This account has been paid in full and should be immediately be removed from my credit report. I have reached out to the Transunion on several occasions to have this issue resolved with no luck and lack of response.

Cont'd attempts collect debt not owed

This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

Problem when making payments

My wife purchased clo thes from Macy 's and we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they

Written notification about debt

On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.

Credit reporting company's investigation

trans union did not verify negative information by sending consumer a copy of the negative information?

Shopping for a loan or lease

To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help

Incorrect information on your report

I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter

Loan servicing, payments, escrow account

mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling

Credit monitoring or identity theft protection services

This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016

Struggling to pay mortgage

My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.

Closing/Cancelling account

The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.

Account opening, closing, or management

XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.

Managing the loan or lease

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Attempts to collect debt not owed

I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!

Incorrect information on your report

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

Attempts to collect debt not owed

XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX

Incorrect information on credit report

There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX

Improper use of your report

XXXX XXXX XXXX FAILED TO REMOVE AALL HARD INQUIRIES FROM TRANSUNION AS PROMISED.

Incorrect information on credit report

I have been denied housing and utilities based on a public record debt that was paid in full 2 years ago, but is not shown as such on my credit report.

Incorrect information on your report

I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc. Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.

Loan modification,collection,foreclosure

I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached

Incorrect information on your report

I have an address reporting to my XXXX, XXXX and Experian credit report that is not my address.

Loan modification,collection,foreclosure

I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE.

Incorrect information on your report

Low country credit sold me a lemon car, I could not. Afford to repair car, transmission cost XXXX To repair, I returned car, on my credit report is reporting that I still have vehicle, every month is saying payment past due, late payment

Cont'd attempts collect debt not owed

On my credit report there 's a debt from Midland Funding. When I asked them to verify they sent me info from someone with a completely different date of birth than mine. I would like this debt cleared from my credit reports.

False statements or representation

I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.

Credit reporting company's investigation

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. Thank you, XXXX XXXX XXXX

Written notification about debt

XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever

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

XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

Making/receiving payments, sending money

Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees

Cont'd attempts collect debt not owed

Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

Attempts to collect debt not owed

XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.

Attempts to collect debt not owed

i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.

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

There was inquiry made by Wells Fargo on XXXX XXXX, 2017 by way of XXXX XXXX that was pulled by error. Enclosed is a letter from XXXX XXXX that was sent to Wells stating that fact that the inquiry was done in error. The inquiry still shows on my XXXX

Incorrect information on your report

I have disputed incorrect items on my credit reports and they not been able to provide the proper verification to prove these accounts.

Incorrect information on credit report

Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. Contract was cancelled. NO CONTRACT

Cont'd attempts collect debt not owed

I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.

Deposits and withdrawals

XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be

Cont'd attempts collect debt not owed

A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.

Incorrect information on credit report

There has been an error on my credit report regarding a Chapter XXXX Bankruptcy on my credit and I have never filled Bankruptcy of any kind.

Using a debit or ATM card

PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.

Problems when you are unable to pay

ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..

Incorrect information on credit report

Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX

Improper use of your report

Unknown hard inquiries from XXXX XXXX and Amazon affecting my score

False statements or representation

On my XXXX & XXXX report s Midland Funding Credit is c ollecting on a debt from X/XX/2012 this is when the debt was charged off. I had medical issues & the original creditor was XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help. Thank you.

Incorrect information on your report

There was not a more applicable radio button. TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so. This seems like a drastic, unfair change.

Incorrect information on your report

4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student

Attempts to collect debt not owed

I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.

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

National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

Communication tactics

Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.

Problems when you are unable to pay

On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.

Credit reporting company's investigation

They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached

Cont'd attempts collect debt not owed

I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.

Loan servicing, payments, escrow account

My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue

Improper use of your report

Several unauthorized inquiries

Cont'd attempts collect debt not owed

false information, this collection it 's not mine

Improper use of your report

BETWEEN XXXX XXXX ,2017 THRU XXXX XXXX ,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

Disclosure verification of debt

I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.

Took or threatened to take negative or legal action

I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.