determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name
Cont'd attempts collect debt not owed	I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.
Improper use of your report	Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.
Problem with a credit reporting company's investigation into an existing problem	I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.
Incorrect information on credit report	There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.
Attempts to collect debt not owed	This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!
Credit reporting company's investigation	Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs to me
Attempts to collect debt not owed	My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.
Cont'd attempts collect debt not owed	Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.
Incorrect information on credit report	Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX , Experian, And XXXX are Continuing to report misleading information into my credit report. XXXX XXXX attached letter shows my final payment was received XXXX XXXX Experian Credit Report is showing my last payment XXXX XXXX and That I Failed to Pay in XXXX and XXXX XXXX .
Problems when you are unable to pay	Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.
Problem with a credit reporting company's investigation into an existing problem	Equifax has refused to follow the laws set out in the fair credit reporting act and block the information they should with an FTC affidavit. The other bureaus followed the law and blocked the information.
Loan servicing, payments, escrow account	my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.
Disclosure verification of debt	A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.
Cont'd attempts collect debt not owed	I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. Thank you, XXXX XXXX
Incorrect information on credit report	They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.
Billing disputes	Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.
Deposits and withdrawals	I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.
Taking/threatening an illegal action	southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years
Cont'd attempts collect debt not owed	This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
Cont'd attempts collect debt not owed	Not my debt. Ex husband is responsible
Incorrect information on your report	False credit pulls on my credit report. 1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX
Billing disputes	I disputed a charge through Chase Credit card. Its employee with ext. XXXX has been unresponsive and irresponsible. She rebilled my account without good reason.
Struggling to pay mortgage	This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?
Incorrect information on your report	There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Incorrect information on your report	Transunion is reporting Inquires that are unauthorize I did not give anybody permisson to run my credit I disputed with XXXX and they deleted them all
Problem with a credit reporting company's investigation into an existing problem	XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.
Communication tactics	Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
Incorrect information on your report	XXXX XXXX {$1000.00} i never did business with this company, i am not responsible for this debt
Improper use of my credit report	I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.
Communication tactics	XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them
Taking/threatening an illegal action	Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.
Other service problem	XXXX will still not add my bank, XXXX XXXX, or let me mail a check to them for deposit.
Incorrect information on credit report	This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all
Communication tactics	Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.
Improper use of your report	Potential victim of Equifax credit breach. Upon signing up, received randomly generated answer.
Improper use of your report	Equifax experienced a security breach where over 100 million people were affected. This was discovered over one month ago however they did not disclose this information to those affected. I only found out that they had been breached via news outlets.
Loan servicing, payments, escrow account	I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.
Struggling to repay your loan	Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.
Taking/threatening an illegal action	I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.
Cont'd attempts collect debt not owed	The case against me was discharged by a judge. I was instructed to have my Credit Report updated with the new information and the debt collecting company continues to dispute a court ordered dismissal.
Cont'd attempts collect debt not owed	Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay.
Settlement process and costs	I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.
Dealing with your lender or servicer	Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed. This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.
Managing the loan or lease	TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.
Struggling to pay mortgage	I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied it.
Incorrect information on credit report	There was fraud on my account and does not belong to me.
Credit card protection / Debt protection	For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.
Attempts to collect debt not owed	The debt reported by the collection agency was removed by XXXX from a previous dispute. this company has also reported the same item on my credit report repeatedly on. XXXX /2017, XXXX 2017, XXXX /2017, XXXX /2017, XXXX 2017 and XXXX /2017. I want these items and collecti on removed from my credit report
Problem when making payments	Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.
Improper use of your report	My credit report shows a hard inquiry from XXXX . I did not authorize this inquiry and would like it removed from my credit report XXXX XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX , 2016
Fraud or scam	Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.
Can't repay my loan	I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.
Disclosure verification of debt	I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.
Written notification about debt	Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''
Taking/threatening an illegal action	A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...
Attempts to collect debt not owed	Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.
Incorrect information on credit report	I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address
Took or threatened to take negative or legal action	Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX
Incorrect information on your report	I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
Credit reporting company's investigation	Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong to me.
Loan servicing, payments, escrow account	I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.
Money was not available when promised	XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). They hold significant amounts of US currency in my account which I no longer have access to.
Can't repay my loan	I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!
Incorrect information on your report	XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX
Other features, terms, or problems	I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.
Cont'd attempts collect debt not owed	i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.
Incorrect information on credit report	XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!
Billing disputes	A reservation was made through XXXX for a hotel in XXXX XXXX XXXX. Following procedure, I checked out of the hotel after a ( 1 ) one day stay with the understanding that I will only be charged for a ( 2 ) two day stay.
Attempts to collect debt not owed	Has been paid off.. Has n't been removed
Cont'd attempts collect debt not owed	A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. I looked up this company and everything that comes up about them looks like they are a scam.
Credit decision / Underwriting	I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.
Disclosure verification of debt	I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.
False statements or representation	My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
Improper use of your report	My credit information including personal information was involuntarily divulged by this company to unauthorized users.
Incorrect information on credit report	I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Incorrect information on credit report	I have never lived at XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX PA XXXX. Someone used my name.
Cont'd attempts collect debt not owed	CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. I 'm filing a lawsuit in Small Claims Court against the Company.
Incorrect information on credit report	Chapter XXXX Bankruptcy closed XXXX/XXXX/08 still reporting on XXXX and TransUnion
Managing the loan or lease	XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.
Incorrect information on credit report	I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Improper use of your report	REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE
Loan servicing, payments, escrow account	Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. they have not responded at all.
Incorrect information on credit report	Disputed mulitple entry on credit report with trans union on several occasions. Trans Union will verify the account is at XXXX balance but refuses to remove the duplicate entry.
Account opening, closing, or management	My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.
Disclosure verification of debt	XXXX was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded
Billing disputes	I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Problems caused by my funds being low	Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015
Fees or interest	I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.
Managing the loan or lease	my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments
Problem with a purchase shown on your statement	COMENITYCAPITAL/XXXX this was opened in XX/XX/XXXX and I did order some items before XXXX however I had some issues with some of the items that I had ordered and returned them back to XXXX and they are still showing a balance owing the items were sent back in XX/XX/XXXX and i am still getting harassing phone calls from a collection agency from this company who sent this to collections
Credit decision / Underwriting	On XXXX XXXX, 2017, Nationstar Mortgage, without my permission, checked my credit report. I have no idea why they are nosing around in my personal, private credit report and would like to know what gives them permission to violate my privacy. I did not apply for a mortgage with that company. They have no right whatsoever to just check it anytime they want to.
Fraud or scam	on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. my account XXXX and XXXX/coinbase locked my account.
Credit monitoring or identity theft protection services	A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late
Fraud or scam	I was promised tickets and asked to transfer money through XXXX. Since this was on my Wells Fargo app I thought I had protection as a trusted service. I sent {$600.00} and then the person disappeared and I never received my tickets or any other messages. Wells Fargo will not help me. I feel this is unfair as Wells Fargo clearly uses this service with no protection for fraud.
Incorrect information on your report	XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.
Identity theft / Fraud / Embezzlement	My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.
Cont'd attempts collect debt not owed	XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.

Cont'd attempts collect debt not owed

started receiving mail at my address with my actual name altered for an unpaid XXXX bill. Barclays Bank Delaware XXXX XXXX XXXX for {$5400.00}. My name is part of the name on the due bills. Someone just added XXXX names inbetween my first and last name. I have sent letters explaining this is not me, some of my letters to now attys have been sent by me certified mail. I need help to stop these mailings and clear my name

Cont'd attempts collect debt not owed

I switched from XXXX with XXXX XXXX XXXX to XXXX with XXXX XXXX XXXX. XXXX billed me twice during my first month with XXXX with the same dates of service for XXXX, though I no longer had XXXX. When I changed services to XXXX, I had just paid my bill and had a {$0.00} balance. I have tried to resolve this with XXXX XXXX XXXX, but they are unable to show me proof that I still had XXXX and they were rude to me.

Improper use of your report

Equifax held my financial data without my consent. They now say it was taken in the recent massive data breach.

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

I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.

Incorrect information on credit report

There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.

Attempts to collect debt not owed

This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!

Credit reporting company's investigation

Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs to me

Attempts to collect debt not owed

My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

Cont'd attempts collect debt not owed

Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.

Incorrect information on credit report

Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

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

XXXX XXXX , Experian, And XXXX are Continuing to report misleading information into my credit report. XXXX XXXX attached letter shows my final payment was received XXXX XXXX Experian Credit Report is showing my last payment XXXX XXXX and That I Failed to Pay in XXXX and XXXX XXXX .

Problems when you are unable to pay

Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.

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

Equifax has refused to follow the laws set out in the fair credit reporting act and block the information they should with an FTC affidavit. The other bureaus followed the law and blocked the information.

Loan servicing, payments, escrow account

my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.

Disclosure verification of debt

A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.

Cont'd attempts collect debt not owed

I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. Thank you, XXXX XXXX

Incorrect information on credit report

They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.

Billing disputes

Continue case # XXXX. CHASE has failed to answer my statement that I phoned CHASE on XX/XX/2015 to block all charges from XXXX, and CHASE had promised me. But on XX/XX/2015 CHASE accepted a charge of {$360.00} from XXXX, and have me to pay for it. I denied this charge because XXXX had failed to provide good services to me.

Deposits and withdrawals

I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.

Taking/threatening an illegal action

southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years

Cont'd attempts collect debt not owed

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

Cont'd attempts collect debt not owed

Not my debt. Ex husband is responsible

Incorrect information on your report

False credit pulls on my credit report. 1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX

Billing disputes

I disputed a charge through Chase Credit card. Its employee with ext. XXXX has been unresponsive and irresponsible. She rebilled my account without good reason.

Struggling to pay mortgage

This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?

Incorrect information on your report

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

Incorrect information on your report

Transunion is reporting Inquires that are unauthorize I did not give anybody permisson to run my credit I disputed with XXXX and they deleted them all

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

XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.

Communication tactics

Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.

Incorrect information on your report

XXXX XXXX {$1000.00} i never did business with this company, i am not responsible for this debt

Improper use of my credit report

I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.

Communication tactics

XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them

Taking/threatening an illegal action

Collection agency continues to send me threatening letters if I do n't pay. I sent them a certified return receipt letter which they signed for asking them to show me proof that I owe this debt. I submitted to them emails, statement and letter indicating I do not owe this money. One XX/XX/2017 they received my explanation letter and since than I have received two more letters stating this is the final attempt with out an explanation.