determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	I did not receive the promised XXXX ThankYou points for opening a Basic checking account and satisfied the requirement.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Charged fees or interest I didn't expect	Northern Plains Funding LLC..is an unlicensed payday loan and over charge me in fees.
Can't repay my loan	I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too
Incorrect information on credit report	went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. Thank you
Loan servicing, payments, escrow account	Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX
Rewards	I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.
Cont'd attempts collect debt not owed	The debt has been paid and the company continues to report a balance on my credit report.
Credit reporting company's investigation	I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.
Problem with a purchase shown on your statement	Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.
Communication tactics	Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.
False statements or representation	Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!
Credit decision / Underwriting	Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.
Incorrect information on credit report	I requested Transunion investigate the XXXX payment history on my account, The payment history appeared to be a pattern and made no sense. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX I have made several attempts to have this inaccurate information removed from my account. They continue to update this information with the same errors.
Incorrect information on credit report	This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.
Written notification about debt	XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical
Managing the loan or lease	I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.
Credit reporting company's investigation	I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account.
Cont'd attempts collect debt not owed	I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.
Incorrect information on credit report	the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.
Communication tactics	i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now
Disclosure verification of debt	Company failed to provide me with detailed billing and statement.
Managing an account	Wells fargo is not allowing XXXX XXXX access my account information.
Credit monitoring or identity theft protection services	i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.
Deposits and withdrawals	I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.
Dealing with my lender or servicer	On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
Communication tactics	I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.
Managing, opening, or closing account	Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!
Improper use of your report	I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.
Communication tactics	I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.
Incorrect information on your report	Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.
Disclosure verification of debt	I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.
Incorrect information on credit report	Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed
Improper use of my credit report	I have hard inquiries on my report that I did not contact these companies about.
Account opening, closing, or management	I closed my account and Santander continued to penalize me. My complaint was never resolved and it is preventing me from opening accounts in other banks.
Incorrect information on your report	This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
False statements or representation	My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.
Cont'd attempts collect debt not owed	AMEX has listed I was past 30 days late and I was not all payments were set up on automatic payments. Please remove this false remark
Incorrect information on credit report	Tax Lien information on all XXXX reports is incorect I am making payments
Unable to get credit report/credit score	They refuse to do anything about double-reporting of credit issues
Disclosure verification of debt	When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount
Cont'd attempts collect debt not owed	Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.
Incorrect information on your report	I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
Dealing with my lender or servicer	I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Managing an account	I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.
Closing an account	MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE
Cont'd attempts collect debt not owed	The debt in hand is duplicated and should 've been covered by insurance.
Incorrect information on your report	The XXXX mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX Mortgage and medical and XXXX
Managing an account	I made an account on XXXX and tried to link my XXXX XXXX account. However, it shows the message that the CFPB blocked my XXXX XXXX account. I do n't know the reason why it is blocked. please help me! thanks,
Cont'd attempts collect debt not owed	Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.
Disclosure verification of debt	I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Cont'd attempts collect debt not owed	I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.
Disclosure verification of debt	Still reporting a debt after the time frame allowed by the fair credit act will not remove account affecting my credit
Can't repay my loan	I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.
Cont'd attempts collect debt not owed	I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
Communication tactics	Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.
Improper use of your report	The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.
Improper use of your report	I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.
Problems at the end of the loan or lease	i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.
Dealing with my lender or servicer	I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.
Communication tactics	" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.
Managing the loan or lease	Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # XXXX
Incorrect information on your report	show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX
Communication tactics	Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.
Incorrect information on your report	I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report
Incorrect information on credit report	i have previously dispute so many creditors on my credit report .... I would love for all of the fraudulent student loan reports to be moved. please contact me at XXXXXXXXXXXX to go over each one ...
Incorrect/missing disclosures or info	I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with
Took or threatened to take negative or legal action	excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused
Loan servicing, payments, escrow account	Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.
Communication tactics	This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.
Loan servicing, payments, escrow account	INTEREST IN BOTH ACCOUNTS DID N'T MAKE SENSE ON WHY IT DID N'T CONTINUE TO DECREASE
Can't repay my loan	I believe there was more grants available I was a single mom and still ca n't coordinate all the loans it took me to get my degree
Dealing with your lender or servicer	All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.
Incorrect information on your report	Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.
Written notification about debt	Unaware that there may have been any debt obligation until garnishment notification was sent to employer. All correspondence regarding requests for documentation are being attached for review
Problem with a credit reporting company's investigation into an existing problem	Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Credit reporting company's investigation	Filed the following letters in no response
Disclosure verification of debt	I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.
Account opening, closing, or management	hunington bank closed our account checking & savings for no reason
Communication tactics	Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.
Charged fees or interest I didn't expect	The company deducts interest from partial principal payments when paying scheduled installment payments. The company does not have a means for consumers to make payments to principal balance only. The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement
Managing the loan or lease	Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.
Incorrect information on credit report	Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.
Improper use of your report	I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).
Incorrect information on your report	XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is XXXX .
Opening an account	I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family
Communication tactics	I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
Problems caused by my funds being low	Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Cont'd attempts collect debt not owed	I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this
False statements or representation	XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Disclosure verification of debt	I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.
Problem with a credit reporting company's investigation into an existing problem	I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.
Incorrect information on credit report	the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency
Credit reporting company's investigation	TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT.
Communication tactics	I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. I am being harassed over and over and it is driving me insane. could someone please do something about this?
Improper contact or sharing of info	Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.
Other transaction problem	{$4000.00} wire transfer to coinbase.com my account.. they have not credited my acct with the funds. and the actually rejected it. and said they were sending back within 1 business day.. they have never sent it back as promised.. its been 2 days now.
Incorrect information on your report	I called TransUnion and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
Problem with a credit reporting company's investigation into an existing problem	On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.

Account opening, closing, or management

I did not receive the promised XXXX ThankYou points for opening a Basic checking account and satisfied the requirement.

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

XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

Charged fees or interest I didn't expect

Northern Plains Funding LLC..is an unlicensed payday loan and over charge me in fees.

Can't repay my loan

I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too

Incorrect information on credit report

went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. Thank you

Loan servicing, payments, escrow account

Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX

Rewards

I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.

Cont'd attempts collect debt not owed

The debt has been paid and the company continues to report a balance on my credit report.

Credit reporting company's investigation

I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.

Problem with a purchase shown on your statement

Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.

Communication tactics

Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.

False statements or representation

Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!

Credit decision / Underwriting

Refinance was refused due to improper appraisal. I was charged for incorrect appraisal. Appraiser did not know market area ; did not perform a complete inspection ; included blatantly false and misleading statements on appraisal ; did not use similar properties in similar locations for comparable values ; misidentified zoning classification ; misidentified neighborhood and amenities.

Incorrect information on credit report

I requested Transunion investigate the XXXX payment history on my account, The payment history appeared to be a pattern and made no sense. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX I have made several attempts to have this inaccurate information removed from my account. They continue to update this information with the same errors.

Incorrect information on credit report

This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.

Written notification about debt

XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical

Managing the loan or lease

I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.

Credit reporting company's investigation

I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account.

Cont'd attempts collect debt not owed

I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.

Incorrect information on credit report

the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.

Communication tactics

i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now

Disclosure verification of debt

Company failed to provide me with detailed billing and statement.

Managing an account

Wells fargo is not allowing XXXX XXXX access my account information.

Credit monitoring or identity theft protection services

i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.

Deposits and withdrawals

I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.

Dealing with my lender or servicer

On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.

Communication tactics

I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.

Managing, opening, or closing account

Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!

Improper use of your report

I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.

Communication tactics

I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.

Incorrect information on your report

Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.

Disclosure verification of debt

I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.

Incorrect information on credit report

Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed

Improper use of my credit report

I have hard inquiries on my report that I did not contact these companies about.

Account opening, closing, or management

I closed my account and Santander continued to penalize me. My complaint was never resolved and it is preventing me from opening accounts in other banks.

Incorrect information on your report

This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately

False statements or representation

My insurance deductible was only supposed to be {$75.00}. And my balance for the hospital is higher than what it should be. Was opened XX/XX/2015. I now owe {$94.00}. I have tried disputing with the company and got no where.

Cont'd attempts collect debt not owed

AMEX has listed I was past 30 days late and I was not all payments were set up on automatic payments. Please remove this false remark

Incorrect information on credit report

Tax Lien information on all XXXX reports is incorect I am making payments

Unable to get credit report/credit score

They refuse to do anything about double-reporting of credit issues

Disclosure verification of debt

When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount

Cont'd attempts collect debt not owed

Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.

Incorrect information on your report

I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U

Dealing with my lender or servicer

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Managing an account

I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.

Closing an account

MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE

Cont'd attempts collect debt not owed

The debt in hand is duplicated and should 've been covered by insurance.

Incorrect information on your report

The XXXX mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX Mortgage and medical and XXXX

Managing an account

I made an account on XXXX and tried to link my XXXX XXXX account. However, it shows the message that the CFPB blocked my XXXX XXXX account. I do n't know the reason why it is blocked. please help me! thanks,

Cont'd attempts collect debt not owed

Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.

Disclosure verification of debt

I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Cont'd attempts collect debt not owed

I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.

Disclosure verification of debt

Still reporting a debt after the time frame allowed by the fair credit act will not remove account affecting my credit

Can't repay my loan

I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.

Cont'd attempts collect debt not owed

I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Communication tactics

Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.

Improper use of your report

The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.

Improper use of your report

I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.

Problems at the end of the loan or lease

i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.

Dealing with my lender or servicer

I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.

Communication tactics

" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.

Managing the loan or lease

Wells Fargo Dealer Services Auto Loan not my account. Appears on my credit report as Account # XXXX

Incorrect information on your report

show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX

Communication tactics

Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.

Incorrect information on your report

I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Incorrect information on credit report

i have previously dispute so many creditors on my credit report .... I would love for all of the fraudulent student loan reports to be moved. please contact me at XXXXXXXXXXXX to go over each one ...

Incorrect/missing disclosures or info

I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with

Took or threatened to take negative or legal action

excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused

Loan servicing, payments, escrow account

Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.

Communication tactics

This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.

Loan servicing, payments, escrow account

INTEREST IN BOTH ACCOUNTS DID N'T MAKE SENSE ON WHY IT DID N'T CONTINUE TO DECREASE

Can't repay my loan

I believe there was more grants available I was a single mom and still ca n't coordinate all the loans it took me to get my degree

Dealing with your lender or servicer

All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Incorrect information on your report

Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.

Written notification about debt

Unaware that there may have been any debt obligation until garnishment notification was sent to employer. All correspondence regarding requests for documentation are being attached for review

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

Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Credit reporting company's investigation

Filed the following letters in no response

Disclosure verification of debt

I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.

Account opening, closing, or management

hunington bank closed our account checking & savings for no reason

Communication tactics

Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Charged fees or interest I didn't expect

The company deducts interest from partial principal payments when paying scheduled installment payments. The company does not have a means for consumers to make payments to principal balance only. The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement

Managing the loan or lease

Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.

Incorrect information on credit report

Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.

Improper use of your report

I recently closed my XXXX XXXX XXXX account, after which XXXX XXXX XXXX requested a credit report without my authorization ( for reasons unknown to me ).

Incorrect information on your report

XXXX XXXX as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is XXXX .

Opening an account

I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family

Communication tactics

I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.

Problems caused by my funds being low

Thank you CFPB. In regards to complaints numbers XXXX & XXXX I 'm satisfied with the company 's response. Please cancel any further action. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Cont'd attempts collect debt not owed

I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this

False statements or representation

XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company

Disclosure verification of debt

I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.

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

I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.

Incorrect information on credit report

the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency

Credit reporting company's investigation

TRANS UNION NEVER RESPONDED OR REPLIED TO MY INVESTIGATION AND ISSUE REMAINED ON MY REPORT.

Communication tactics

I keep getting a call from a company called Portfolio Recovery ( XXXX ). I have asked them numerous times not to call but they insist on arguing with me over the phone and stating that they will not stop calling. I am being harassed over and over and it is driving me insane. could someone please do something about this?

Improper contact or sharing of info

Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.