determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to XXXX XXXX , but my billing history shows that I paid every bill.
Cont'd attempts collect debt not owed	I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Incorrect information on credit report	In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.
Incorrect information on credit report	I have written several letters to date regarding information that is being reporting to my report from a relative with a similar name. Its has been more that 60 days
Credit reporting company's investigation	I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.
Incorrect information on your report	I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not mine.
Incorrect information on your report	XXXX date open XX/XX/XXXX Date closed XX/XX/XXXX Account is to old to be reporting on credit report
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Fees or interest	Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account
Taking out the loan or lease	I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.
Incorrect information on credit report	Called multiple times advising this is not my acct. we are getting ready to close on a house and this is holding us up.
False statements or representation	1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account
Disclosure verification of debt	I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.
Incorrect information on your report	Account was granted retroactive forbearance that covered these time periods. I notified XXXX to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n XXXX 2017 and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.
Overlimit fee	I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.
Improper use of your report	Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,
Can't contact lender	Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.
Disclosure verification of debt	I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.
Incorrect information on credit report	Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX
Improper use of your report	XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them
Incorrect information on credit report	bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy
Other	i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Account opening, closing, or management	I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.
Billing disputes	I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.
Problem with a credit reporting company's investigation into an existing problem	XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Problem with a purchase shown on your statement	Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.
Dealing with my lender or servicer	Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.
Attempts to collect debt not owed	I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.
Cont'd attempts collect debt not owed	I do not have any ownership of this collection debt..
Managing the loan or lease	I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.
Incorrect information on credit report	I have a judgement on my experian credit report and I have no idea where it came from and I have stayed with my parents since XX/XX/2010.
Credit reporting company's investigation	Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. Continuing to report these items can be seen as willful non-compliance. XXXX
Disclosure verification of debt	I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.
Incorrect information on credit report	Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX
Cont'd attempts collect debt not owed	Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft
Other transaction problem	They said I can proceed with transaction however it happened again
Attempts to collect debt not owed	On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.
Incorrect information on credit report	The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX
Improper contact or sharing of info	Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report.
Loan modification,collection,foreclosure	Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home
Cont'd attempts collect debt not owed	This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.
Taking out the loan or lease	Ally Financial refused to give me access to their Vehicle Inspection website to view the damages to the vehicle. It my legal right to be able to view these damages. I have disputed ALL CHARGES from day 1. But will not cooperate and provide access to the pictures. XXXX XXXXXXXXXXXXAcct : XXXXVehicle no : XXXX
Can't stop charges to bank account	Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX
Application, originator, mortgage broker	Continues to do business under multiple names. XXXX Mortgage and Finance of America. They are closing loans under XXXX and marketing under the other. They have XXXX sets of business Cards. They work for Finance of America but advertise as XXXX Mortgage. How can someone do business under XXXX names?
Billing statement	For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.
Settlement process and costs	XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Problems when you are unable to pay	United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.
Cont'd attempts collect debt not owed	Wells Fargo has a loan on my credit report stating that its a charge off. However, the account was settled. I have tried to dispute it to no avail
Can't repay my loan	My loan went to default because I could not afford the payment so I negotiated a smaller payment when it was rehabbed and I went back to it being serviced they told me my old payments were restored and that I could GE forbearance for a year. Six months later now they are saying I 'm delinquent.
False statements or representation	Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.
Problem with a credit reporting company's investigation into an existing problem	I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
Dealing with my lender or servicer	I have been paying my XXXX XXXX XXXX now Navient ) student loan since XX/XX/XXXX and I have never had a late payment or missed payment, however my grandmother and co-signer passed away. Now XX/XX/XXXX, my loan has been transferred to XXXX XXXX and they are demanding that I pay my loan in full or they will foreclose on my co-signers estate. The student loan was for undergraduate studies at XXXX University in XXXX Virginia.
Incorrect information on credit report	This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.
Cont'd attempts collect debt not owed	I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Can't repay my loan	I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..
Cont'd attempts collect debt not owed	i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.
Incorrect information on credit report	I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.
Trouble during payment process	Seterus stated in its letter dated XXXX XXXX, 2017 that " in order to make a payment by phone your loan must be in good standing ''. Is this an old policy or a new one? If it is an old policy, have you stated in any of the documents you supplied to home owners? Please answer YES or NO. If it is a new policy, when did it go into effect? Please give the date. Please save me from long responses without answering the question.
Incorrect information on your report	i have filed numerous disputes and complaints with Innovis on XXXX fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts XXXX # XXXX {$1600.00} XXXX # XXXX {$1100.00} XXXX # XXXX {$900.00} and XXXX # XXXX {$570.00}
Cont'd attempts collect debt not owed	Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX
Unsolicited issuance of credit card	Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.
Loan servicing, payments, escrow account	My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.
Improper use of your report	Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.
Incorrect information on your report	please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
Unable to get credit report/credit score	I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time.
Incorrect information on credit report	I am requesting that you remove the negative reporting on my credit report from lender XXXX. It has been over 7 yrs and they also in correctly reported that I was 120 delinquent on my account when the account was placed on hold due to being in school full time. Please remove from my credit report should not have been reported in the first place. Thank you, XXXX
Incorrect information on credit report	I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way.
Other transaction problem	I added a bank account to transfer money because I had been using a credit card that had a weekly limit and after I initiated the transfer they restricted my account so that I can not buy or sell. I have contacted them through several means and the do not respond
Incorrect information on credit report	I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.
Cont'd attempts collect debt not owed	I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.
Dealing with my lender or servicer	Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.
Struggling to repay your loan	I been paying a lot of money on my student loans for about 3 years, about 600 dollars and I have n't even been able to get a job for the specialty that I graduate from. I have to get two jobs to get by with my personal expenses and student loans.
Incorrect information on your report	My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.
Attempts to collect debt not owed	Page 2 of the " inventory and condition form is cut off, looks suspicious for fraudulent activity. I 'm requesting for the original documents.
Written notification about debt	I am monitorin g My Credit report and I contacted Credit Management XXXX XXXX , 2017 @ XXXX est. I have no contract with them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.
Cont'd attempts collect debt not owed	THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!
Cont'd attempts collect debt not owed	I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Can't repay my loan	My loan was high on intrest and dor some reason I had to apply for more loans to be able to graduate and know.I having trouble paying these loan with ridiculous high interests..
Struggling to pay your bill	I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.
Incorrect information on your report	There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.
Incorrect information on credit report	Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Dealing with my lender or servicer	I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.
Improper use of your report	Capital XXXX XXXX XXXX is report an untrue credit status. It is reporting XXXX late status.
Incorrect information on credit report	Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.
Cont'd attempts collect debt not owed	These alleged accounts opened without consent.
Unsolicited issuance of credit card	Unexpectedly I received a new Chase Amazon Rewards Visa card in the mail. I did not request it or apply for it. So far Chase has not closed the account or explained how I ended up receiving it.
Improper contact or sharing of info	Called my sister and my mother through a autodialer and left and left a unclear message. Did n't state the name of the company but stated they are going to file charges against me with the county. They called my sisters cell phone number and my mom 's land line in which I have never ever ever use them for any credit references. I left a message to revolk any consent to call anyone.
Incorrect information on your report	hippa violation item no knowledge id theft victim sent po report sent cra
Cont'd attempts collect debt not owed	I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.
Improper use of your report	Equifax security breach has allowed my sensitive information to be stolen.
Can't contact lender	I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging.
Cont'd attempts collect debt not owed	Conn credit card continually about an account that is not mine. They 've been told numerous times they are not contacting the correct person. I changed my number because they were calling XXXX times per day. Now they 're calling the new number.
Loan servicing, payments, escrow account	The bank filed to take my payment on XXXX resulting in a negative information on my report.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Cont'd attempts collect debt not owed	Collection of an account in someone other than me 's name and versifying incorrect information.
Cont'd attempts collect debt not owed	The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
Incorrect information on credit report	I have noticed some loan companies on my credit report and hard credit. I would like to get these off of my credit history because i have not signed up for no loans and wo n't because i know what they do to my credit report and i have a poor credit rating as it is. I am trying to bring my credit up to good not bad. the ones on the hard credit are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Incorrect information on credit report	Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated
False statements or representation	Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.

Disclosure verification of debt

I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to XXXX XXXX , but my billing history shows that I paid every bill.

Cont'd attempts collect debt not owed

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Incorrect information on credit report

In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.

Incorrect information on credit report

I have written several letters to date regarding information that is being reporting to my report from a relative with a similar name. Its has been more that 60 days

Credit reporting company's investigation

I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.

Incorrect information on your report

I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not mine.

Incorrect information on your report

XXXX date open XX/XX/XXXX Date closed XX/XX/XXXX Account is to old to be reporting on credit report

Incorrect information on your report

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

Fees or interest

Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account

Taking out the loan or lease

I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.

Incorrect information on credit report

Called multiple times advising this is not my acct. we are getting ready to close on a house and this is holding us up.

False statements or representation

1.capital one settled but said they waived more than amount that was they said {$3200.00} but {$270.00} was waived account account was closed in XX/XX/XXXXan still have a balance saying over 1500 days past due paid the XXXX on XX/XX/XXXX an reporting negatively on my account

Disclosure verification of debt

I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.

Incorrect information on your report

Account was granted retroactive forbearance that covered these time periods. I notified XXXX to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n XXXX 2017 and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Overlimit fee

I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.

Improper use of your report

Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,

Can't contact lender

Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.

Disclosure verification of debt

I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.

Incorrect information on credit report

Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX

Improper use of your report

XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them

Incorrect information on credit report

bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy

Other

i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.

Problem when making payments

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Account opening, closing, or management

I applied for a loan for a used vehicle through XXXX XXXX in XXXX SD. I received a rejection letter that was based off credit reports with information that is soon to be outdated. The bank that rejected my application was wells fargo and I highly feel that due to my address on my application which is on the XXXX XXXX is a reason for rejection also and this is a form of racial discrimination from wells Fargo.

Billing disputes

I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.

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

XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.

Problem with a purchase shown on your statement

Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.

Dealing with my lender or servicer

Hello, I was a student at XXXX XXXX College. Due to federal loans covering only a part of my education, the school insisted on getting a loan through a private company. While attending school, I was required to make payments every month. XXXX breached due to the sudden closure leaving me to pay off a loan for an education i did not receive.

Attempts to collect debt not owed

I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.

Cont'd attempts collect debt not owed

I do not have any ownership of this collection debt..

Managing the loan or lease

I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.

Incorrect information on credit report

I have a judgement on my experian credit report and I have no idea where it came from and I have stayed with my parents since XX/XX/2010.

Credit reporting company's investigation

Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. Continuing to report these items can be seen as willful non-compliance. XXXX

Disclosure verification of debt

I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.

Incorrect information on credit report

Lexus nexus is reporting drivers license suspension as of XXXX 2010 upon contacting DMV no such record exists lexis nexus is reporting false info to extort money out of me pls help licensce no is XXXX

Cont'd attempts collect debt not owed

Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft