determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Account opening, closing, or management	Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours
Credit reporting company's investigation	Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.
Problem with a credit reporting company's investigation into an existing problem	Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.
Incorrect information on credit report	Every time I try to file a dispute, it wo n't let me complete the process.
Billing disputes	I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?
Loan servicing, payments, escrow account	OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.
Incorrect information on your report	tried to get them to verify XXXX XXXX XXXX they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.
Problems when you are unable to pay	I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.
False statements or representation	Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.
Incorrect information on credit report	Equifax keeps load on the credit report adverse information that was already deleted.
False statements or representation	A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.
Dealing with my lender or servicer	I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).
Incorrect information on credit report	There are XXXX listings for XXXX XXXX on my credit report like for a finance on a car, however, I paid CASH for my car so there should not be a hard inquiry any longer on my credit score.
Trouble during payment process	Ref : BSI FINANCIAL SERVIC ES XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. ZIP CODE : XXXX * NEED MONTHLY STATEMENTS. HAMP APPLICATION. * CURRENT AMOUNT D UE ON MORTGAGE. ( XXXX was not able to furnish this information )
Loan servicing, payments, escrow account	I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt
Incorrect information on your report	I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
Improper use of your report	XXXX XXXX 2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.
Incorrect information on credit report	All my hard inquiries were deleted and then added back
Taking out the loan or lease	this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '
Other fee	I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.
Incorrect information on your report	I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.
Incorrect information on credit report	incorrect information-name address, age, race, criminal report.
Incorrect information on your report	XXXX XXXX-2012 Not my account Fraud account identity theft
Cont'd attempts collect debt not owed	XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.
Communication tactics	I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.
Problem with fraud alerts or security freezes	After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.
Trouble during payment process	We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.
Attempts to collect debt not owed	I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.
Problem with a credit reporting company's investigation into an existing problem	I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Loan servicing, payments, escrow account	my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.
Cont'd attempts collect debt not owed	i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Application, originator, mortgage broker	I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.
Credit monitoring or identity theft protection services	Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.
Credit monitoring or identity theft protection services	Equifax allowed their system to be vulnerable and allowed my information along with millions of others ' information to be stolen. I has to freeze my credit and sign up for identity protection to protect myself.
Trouble during payment process	I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds
Incorrect information on credit report	XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming
Unauthorized transactions/trans. issues	I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.
Incorrect information on credit report	Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.
Problem with a credit reporting company's investigation into an existing problem	We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.
Improper use of your report	I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.
Account opening, closing, or management	My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.
Incorrect information on your report	XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.
Account opening, closing, or management	US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.
Communication tactics	Navient, the loan servicer for XXXX XXXX Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile.
Communication tactics	Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.
Improper use of your report	I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from XXXX IL credit union date d XXXX XXXX XXXX , 1 from XXXX XXXX dated XXXX XXXX XXXX and 1 f rom XXXX XXXX dated XXXX XXXX
Taking/threatening an illegal action	Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.
Taking/threatening an illegal action	I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then
Transaction issue	Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.
Deposits and withdrawals	I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.
Incorrect information on your report	Do not know anything about collection however it has been placed on my credit reports without proper notification or verification
Cont'd attempts collect debt not owed	Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.
Getting a loan or lease	My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.
Lost or stolen money order	I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.
Managing the loan or lease	I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.
Improper use of your report	This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.
Struggling to repay your loan	I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. Help!
Credit reporting company's investigation	I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.
Problem with a credit reporting company's investigation into an existing problem	The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Incorrect information on your report	Credit Report suddenly shows 10 XXXX XXXXoan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Account opening, closing, or management	my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.
Credit reporting company's investigation	Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Cont'd attempts collect debt not owed	I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.
Improper contact or sharing of info	North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.
Improper contact or sharing of info	XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.
Adding money	My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days
Improper contact or sharing of info	XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.
Communication tactics	I am called as many as 10 times a day, never leave a message
Improper use of your report	In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.
Credit monitoring or identity theft protection services	I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.
Struggling to pay mortgage	Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property
Taking out the loan or lease	Lender asked me send a process fee for a {$5000.00} loan. I spent over {$800.00} for an emergency loan, they kept asking for more money from me. I tried calling and texting them back, but no answer or reply by text.
Incorrect information on credit report	I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.
Loan servicing, payments, escrow account	Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.
Deposits and withdrawals	My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?
Incorrect information on credit report	A wrong name and address is listed on the credit report under my personal information. The following personal information is not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Improper contact or sharing of info	I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.
Attempts to collect debt not owed	At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
Transaction issue	American Express promised a bonus offer would be credited within 5-7 business days. American Express now refuses to honor that promise, saying that it will be 6-8 weeks.
Incorrect information on credit report	I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.
Problem with fraud alerts or security freezes	Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.
Communication tactics	Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.
Problem with a credit reporting company's investigation into an existing problem	Still reporting wrong that I still owes XXXX account XXXX
Problem getting a card or closing an account	Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel my account.
Identity theft / Fraud / Embezzlement	Unauthorized MONTHLY credit inquires for credit card approval
Cont'd attempts collect debt not owed	Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.
Cont'd attempts collect debt not owed	I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.
Attempts to collect debt not owed	Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.
Cont'd attempts collect debt not owed	Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.
Improper use of your report	They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Incorrect information on credit report	Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.
Improper use of your report	It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
Incorrect information on your report	ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
Problem with a credit reporting company's investigation into an existing problem	Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
Problems caused by my funds being low	Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.
Shopping for a loan or lease	I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.
Incorrect information on your report	I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with XXXX XXXX they told me I signed so I have to pay.
Cont'd attempts collect debt not owed	I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.
Problem with a credit reporting company's investigation into an existing problem	Equifax security breach took far too long to be made public, my record is indicated as compromised.

Incorrect information on credit report

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

Account opening, closing, or management

Ally Bank locked out my account. Despite my submitting all the required documents they still have locked all access to my account for over 24 hours

Credit reporting company's investigation

Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.

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

Hi I sent equifax a XXXX form and online disputed about my hard inquire that I do not have no knowledge of. And they did not prove it was me and did not show that it was me. I want to see what they verified. They wrote me a letter what is that telling me nothing. I want to see the proof myself.

Incorrect information on credit report

Every time I try to file a dispute, it wo n't let me complete the process.

Billing disputes

I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?

Loan servicing, payments, escrow account

OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.

Incorrect information on your report

tried to get them to verify XXXX XXXX XXXX they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.

Problems when you are unable to pay

I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.

False statements or representation

Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.

Incorrect information on credit report

Equifax keeps load on the credit report adverse information that was already deleted.

False statements or representation

A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.

Dealing with my lender or servicer

I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).

Incorrect information on credit report

There are XXXX listings for XXXX XXXX on my credit report like for a finance on a car, however, I paid CASH for my car so there should not be a hard inquiry any longer on my credit score.

Trouble during payment process

Ref : BSI FINANCIAL SERVIC ES XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. ZIP CODE : XXXX * NEED MONTHLY STATEMENTS. ** HAMP APPLICATION. *** CURRENT AMOUNT D UE ON MORTGAGE. ( XXXX was not able to furnish this information )

Loan servicing, payments, escrow account

I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt

Incorrect information on your report

I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....

Improper use of your report

XXXX XXXX 2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.

Incorrect information on credit report

All my hard inquiries were deleted and then added back

Taking out the loan or lease

this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '

Other fee

I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.

Incorrect information on your report

I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.

Incorrect information on credit report

incorrect information-name address, age, race, criminal report.

Incorrect information on your report

XXXX XXXX-2012 Not my account Fraud account identity theft

Cont'd attempts collect debt not owed

XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.

Communication tactics

I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.

Problem with fraud alerts or security freezes

After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.

Trouble during payment process

We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.

Attempts to collect debt not owed

I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.

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

I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

Loan servicing, payments, escrow account

my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.

Cont'd attempts collect debt not owed

i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Application, originator, mortgage broker

I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.

Credit monitoring or identity theft protection services

Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.

Credit monitoring or identity theft protection services

Equifax allowed their system to be vulnerable and allowed my information along with millions of others ' information to be stolen. I has to freeze my credit and sign up for identity protection to protect myself.

Trouble during payment process

I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds

Incorrect information on credit report

XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming

Unauthorized transactions/trans. issues

I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.

Incorrect information on credit report

Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.

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

We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.

Improper use of your report

I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

Account opening, closing, or management

My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.

Incorrect information on your report

XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.

Account opening, closing, or management

US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.

Communication tactics

Navient, the loan servicer for XXXX XXXX Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile.

Communication tactics

Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.

Improper use of your report

I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from XXXX IL credit union date d XXXX XXXX XXXX , 1 from XXXX XXXX dated XXXX XXXX XXXX and 1 f rom XXXX XXXX dated XXXX XXXX

Taking/threatening an illegal action

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.

Taking/threatening an illegal action

I 've gotten a couple calls from XXXX telling me there going to serve me papers on a debt that was discharged from bankruptcy. ive told them its been discharged and its past SOL I was told that I could prove it in court then

Transaction issue

Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.

Deposits and withdrawals

I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.

Incorrect information on your report

Do not know anything about collection however it has been placed on my credit reports without proper notification or verification

Cont'd attempts collect debt not owed

Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.

Getting a loan or lease

My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.

Lost or stolen money order

I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.

Managing the loan or lease

I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.

Improper use of your report

This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.

Struggling to repay your loan

I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. Help!

Credit reporting company's investigation

I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.

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

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

Incorrect information on your report

Credit Report suddenly shows 10 XXXX XXXXoan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.

Account opening, closing, or management

my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.

Credit reporting company's investigation

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.

Cont'd attempts collect debt not owed

I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.

Improper contact or sharing of info

North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.

Improper contact or sharing of info

XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.

Adding money

My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days

Improper contact or sharing of info

XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.

Communication tactics

I am called as many as 10 times a day, never leave a message

Improper use of your report

In reviewing my credit report, I noticed four ( 4 ) credit inquiries on XX/XX/2017 from XXXX.

Credit monitoring or identity theft protection services

I have been trying to stop the company called XXXX XXXX from billing my credit card XXXX since XXXX.2015. I have had to dispute this charge every month for years now. I can not take it any longer. The credit card company blocks them and they use a different merchant number and start again.

Struggling to pay mortgage

Wells Fargo is the servicing a loan for XXXX XXXX XXXX XXXX, as Trustee under the Trust Agreement for the Structured Asset Investment Loan Trust Series XX/XX/XXXX and they are attempting to foreclose on my property unlawfully. Also, while in the process of a modification, XXXX XXXX was out of business when the loan was transferred, and they were the original Holders in Due Course of the loan. Therefore this loan trust does not have standing to foreclose on my property

Taking out the loan or lease

Lender asked me send a process fee for a {$5000.00} loan. I spent over {$800.00} for an emergency loan, they kept asking for more money from me. I tried calling and texting them back, but no answer or reply by text.

Incorrect information on credit report

I have been disputing the same fraud accounts on my credit file and experian is giving me a hard time with removing these items. I have spoken with rude people such as XXXX and never had a chance to speak to a supervisor as I requested. I have sent in and faxed in a copy of the most recent police report and yet nothing has been done. Experian is making it seem like this situation is all my fault.

Loan servicing, payments, escrow account

Case # XXXX THIS IS NOT A DUPLICATE ... The Company has not responded. It amazes how they have no qualms about continuing their deceptive practices.

Deposits and withdrawals

My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?

Incorrect information on credit report

A wrong name and address is listed on the credit report under my personal information. The following personal information is not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Improper contact or sharing of info

I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.

Attempts to collect debt not owed

At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.

Transaction issue

American Express promised a bonus offer would be credited within 5-7 business days. American Express now refuses to honor that promise, saying that it will be 6-8 weeks.

Incorrect information on credit report

I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.

Problem with fraud alerts or security freezes

Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.

Communication tactics

Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.

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

Still reporting wrong that I still owes XXXX account XXXX

Problem getting a card or closing an account

Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel my account.

Identity theft / Fraud / Embezzlement

Unauthorized MONTHLY credit inquires for credit card approval

Cont'd attempts collect debt not owed

Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.

Cont'd attempts collect debt not owed

I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.

Attempts to collect debt not owed

Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.

Cont'd attempts collect debt not owed

Equidata keep sending me harassing letters stating I owe a debt form XXXX XXXX XXXX in which I did n't live in the state of XXXX. I sent equidata an email with letter from my job stating I was living and working in XXXX XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. I called and the representative said I must pay this debt, I do n't owe. I have XXXX XXXX nothing is wrong with my back or any other part of my body.

Improper use of your report

They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Incorrect information on credit report

Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.

Improper use of your report

It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.

Incorrect information on your report

ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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

Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

Problems caused by my funds being low

Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.

Shopping for a loan or lease

I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.

Incorrect information on your report

I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with XXXX XXXX they told me I signed so I have to pay.

Cont'd attempts collect debt not owed

I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.

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

Equifax security breach took far too long to be made public, my record is indicated as compromised.