determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Communication tactics	I recently bought a XXXX and got a new number. Since then I have been repeatedly called by Navient trying to collect a debt from someone who is n't me. They do not leave a message, and hang up if I answer. They call from the numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report
Improper use of your report	I am one of the potential victims of the recently announced Equifax security breach, giving hackers access to my secure private information including social security number, date of birth, full address, and driver 's license number. As such, Equifax has not served as a good steward of my private information.
Incorrect information on your report	After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Cont'd attempts collect debt not owed	Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC
Incorrect information on credit report	I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.
Improper contact or sharing of info	A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX
Incorrect information on your report	I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.
Cont'd attempts collect debt not owed	They are calling for someone that is not me They wo n't stop calling.
Cont'd attempts collect debt not owed	This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.
Incorrect information on your report	I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Application, originator, mortgage broker	Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. Hence I need all closing costs refunded.
Incorrect information on credit report	I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.
Improper use of your report	inquiry not removed
Loan modification,collection,foreclosure	Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.
Cont'd attempts collect debt not owed	I am a victim of identity theft and I do not owe for this debt. A representative from Capital Management Services , LP continuously called me back and informed me that the FBI would arrest me and I would not be able to get and bank loan or federal student loan from the government ever again, if I do n't pay this debt.
Attempts to collect debt not owed	They are trying to get me to pay a debt I do n't know.
Managing an account	On XX/XX/2017 my check # XXXX was debited from my checking account, and this check wasn't cashed by XXXX XXXX XXXX, I requested a copy of the endorsement of whom the fund was credited to, Bank of America can't give me satisfactory answer, since this contractor breach of contract that I needed proof of payment in court.
Cont'd attempts collect debt not owed	Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes
Incorrect information on credit report	Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.
Incorrect information on credit report	I talked with this company directly about 2-3years ago and paid this debt in full. I think that maybe they did n't report it. I have had problems with this company before. ... .didnt know i had an unpaid balance with them because it was a payroll deduction. ... either way I settled this debt!!!!
Managing the loan or lease	Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.
Problems when you are unable to pay	I am not the person that they are looking for and they keep calling me.
Cont'd attempts collect debt not owed	I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.
Unsolicited issuance of credit card	I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.
Improper use of your report	Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.
Incorrect information on credit report	Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.
Taking/threatening an illegal action	This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.
Managing an account	Will not allow third party site to access account
Cont'd attempts collect debt not owed	Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.
Using a debit or ATM card	XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.
Incorrect information on credit report	numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.
Disclosure verification of debt	Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.
Took or threatened to take negative or legal action	Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
Written notification about debt	I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.
Cont'd attempts collect debt not owed	I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.
Other	I have a credit card from the retailer Gap on my account. I did not apply for a credit card and have not used a credit card for them. Somehow they are showing up on my credit report.
False statements or representation	ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.
Incorrect information on your report	The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States XXXX XXXX XXXX.
Received a loan I didn't apply for	i had no knowledge of this account. Payday loan was deleted from XXXX bureau.
Written notification about debt	XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Customer service / Customer relations	I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.
Incorrect information on your report	Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
Can't contact lender	THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.
Incorrect information on credit report	I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX
Incorrect information on your report	After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.
Incorrect information on your report	I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Improper use of your report	Unauthorized credit inquiries on credit reporrs
Trouble during payment process	My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.
Loan servicing, payments, escrow account	bogus charges added to payoff. my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???
Deposits and withdrawals	My Bank transferred funds from XXXX account to another without my authorization. My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!
Problem with a lender or other company charging your account	XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank of America in XXXX XXXX Faxed an unauthorised ACH form to Bank of America i n XXXX XXXX . A notarized letter ( signed by the signatories to the account ) was sent to Bank of America o n XX/XX/XXXX . Bank of America has not refunded the unathorised withdrawal.
Application, originator, mortgage broker	I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.
Written notification about debt	Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.
Incorrect information on your report	On XXXX / XXXX / 2017 , CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now XXXX and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!
Closing/Cancelling account	On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.
Communication tactics	the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX
Improper use of your report	I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Late fee	My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.
Cont'd attempts collect debt not owed	Debt was included in bankruptcy and my wages are being garnished for it now.
Improper use of your report	I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.
Charged fees or interest I didn't expect	I was charged a great amount of interest and was not aware of it.
Cont'd attempts collect debt not owed	I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.
Incorrect information on credit report	Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.
Struggling to pay your loan	I am having trouble making the payments I borrowed XXXX but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay
Incorrect information on your report	There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
Taking/threatening an illegal action	A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.
Written notification about debt	This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Incorrect information on your report	Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them
Getting a credit card	American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX 2017 {$1.00} Wrong information XXXX
Incorrect information on credit report	I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.
Cont'd attempts collect debt not owed	I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.
Attempts to collect debt not owed	creditor agreed to remove accounts.
Disclosure verification of debt	I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.
Delinquent account	I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.
Incorrect information on credit report	I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!
Attempts to collect debt not owed	Convergent is attempting to collect on a debt, however they have presented no written agreement or contract with my wet ink signature proving that I contracted with them and that I owe said debt.
Disclosure verification of debt	I have sent XXXX debt validation letters to Portfolio Recovery Associates LLC. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX in an effort to get verification of this debt. The company has ignored by requests and has failed to prove I am the owner of this debt.
Problems caused by my funds being low	TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.
Managing the loan or lease	I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.
Incorrect information on credit report	I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.
Improper use of your report	When I was purchasing a vehicle in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Improper use of your report	I received notice from a credit monitoring product that I had an hard inquiry today X/XX/18 on my Trans union credit report. I did not request that any XXXX XXXX companies run my credit.
Cont'd attempts collect debt not owed	I 'm being charged over XXXX for non-existent charges. I would like to ask for this charge to be removed before I proceed with contacting my lawyers to counter sue and press charges for the personal damages this XXXX company cause me and my family. I completed my contract and left the apt with no damages. I have evidence with my local news here in XXXX, Texas.
Incorrect information on your report	I have found this information on my report : US BKPT CT NJ XXXX Reference # XXXX
Improper use of your report	Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Account opening, closing, or management	Y bank TD bank charged me enormous overdraft fees I did not sign up for this service
Incorrect information on your report	I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.
Written notification about debt	I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
Communication tactics	One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.
Other transaction problem	On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.
Incorrect information on your report	XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Incorrect information on your report	I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.
Charged fees or interest I didn't expect	Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.
Credit reporting company's investigation	Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.
Improper use of your report	Wells fargo check my credit with out my permission. I received a letter that had my credit score from wells fargo.
Dealing with your lender or servicer	XXXX has over charged me and fail to inform me where all the charges are coming from. I took out one loan and now it is up to XXXX , but the cost of my school was only XXXX $ for all 4 years, so I do not understand where the XXXX $ is coming from. They also want me to pay {$15000.00} a month which is beyond ridiculous. The entire company just seems fraudulent and I see why they have a lawsuit out. DO NOT TAKE LOANS FROM XXXX EVER!
Cont'd attempts collect debt not owed	I keep getting calls at my work office and I have told them not to call me at work. I just got another one over the weekend and they said in a harsh recorded tone that I am a person of interest and if anyone knows me or knows were I 'm at that they need to call them and let them know. XXXX.
Incorrect information on your report	I contacted the debt collector and set up a monthly payment arrangement. It still show a derogatory account on my credit and my payments are not being reflected on my credit report.

Communication tactics

I recently bought a XXXX and got a new number. Since then I have been repeatedly called by Navient trying to collect a debt from someone who is n't me. They do not leave a message, and hang up if I answer. They call from the numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report

Improper use of your report

I am one of the potential victims of the recently announced Equifax security breach, giving hackers access to my secure private information including social security number, date of birth, full address, and driver 's license number. As such, Equifax has not served as a good steward of my private information.

Incorrect information on your report

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Cont'd attempts collect debt not owed

Stenger & Stenger, PC sent letter demanding payment on account oudated since 2008 ; GA state statue of limitation has expired ( 5yr ) per OCGA 9-3-25 and not collectible/ not my account, violated FDCPA and FCBA ; and XXXX other companie asking the same " XXXX AND XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND ID FRAUD AFFIDAVIT HAS BEEN FILED WITH FTC

Incorrect information on credit report

I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.

Improper contact or sharing of info

A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX

Incorrect information on your report

I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.

Cont'd attempts collect debt not owed

They are calling for someone that is not me They wo n't stop calling.

Cont'd attempts collect debt not owed

This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.

Incorrect information on your report

I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Application, originator, mortgage broker

Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. Hence I need all closing costs refunded.

Incorrect information on credit report

I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.

Improper use of your report

inquiry not removed

Loan modification,collection,foreclosure

Does n't want to help me adding land taxing or land inspection to mortgage on ever paper every month I need help low it or get it back to something that is not add on but they are adding land in section on my payment.

Cont'd attempts collect debt not owed

I am a victim of identity theft and I do not owe for this debt. A representative from Capital Management Services , LP continuously called me back and informed me that the FBI would arrest me and I would not be able to get and bank loan or federal student loan from the government ever again, if I do n't pay this debt.

Attempts to collect debt not owed

They are trying to get me to pay a debt I do n't know.

Managing an account

On XX/XX/2017 my check # XXXX was debited from my checking account, and this check wasn't cashed by XXXX XXXX XXXX, I requested a copy of the endorsement of whom the fund was credited to, Bank of America can't give me satisfactory answer, since this contractor breach of contract that I needed proof of payment in court.

Cont'd attempts collect debt not owed

Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes

Incorrect information on credit report

Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Incorrect information on credit report

I talked with this company directly about 2-3years ago and paid this debt in full. I think that maybe they did n't report it. I have had problems with this company before. ... .didnt know i had an unpaid balance with them because it was a payroll deduction. ... either way I settled this debt!!!!

Managing the loan or lease

Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.

Problems when you are unable to pay

I am not the person that they are looking for and they keep calling me.

Cont'd attempts collect debt not owed

I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.

Unsolicited issuance of credit card

I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.

Improper use of your report

Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

Incorrect information on credit report

Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.

Taking/threatening an illegal action

This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.

Managing an account

Will not allow third party site to access account

Cont'd attempts collect debt not owed

Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.

Using a debit or ATM card

XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.

Incorrect information on credit report

numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.

Disclosure verification of debt

Debt reported to collection agencies even though I was trying to communicate with agency. Also, incorrect amount of debt owed.

Took or threatened to take negative or legal action

Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

Written notification about debt

I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.

Cont'd attempts collect debt not owed

I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

Other

I have a credit card from the retailer Gap on my account. I did not apply for a credit card and have not used a credit card for them. Somehow they are showing up on my credit report.

False statements or representation

ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.

Incorrect information on your report

The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States XXXX XXXX XXXX.

Received a loan I didn't apply for

i had no knowledge of this account. Payday loan was deleted from XXXX bureau.

Written notification about debt

XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

Customer service / Customer relations

I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.

Incorrect information on your report

Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.

Can't contact lender

THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.

Incorrect information on credit report

I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX

Incorrect information on your report

After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.

Incorrect information on your report

I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report

Improper use of your report

Unauthorized credit inquiries on credit reporrs

Trouble during payment process

My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.

Loan servicing, payments, escrow account

bogus charges added to payoff. my loan is current so i 'm not sure why i 'm being charged {$950.00} for civil litigation??? i also recently ordered a payoff and was charged {$30.00}. At NO point during ordering said payoff was i advised of ANY fee. I also was charged {$13.00} for a satisfaction cost? i 'm not sure what 's been satisfied???

Deposits and withdrawals

My Bank transferred funds from XXXX account to another without my authorization. My Bank transferred funds from my saving to my checking. Can a Bank do that, especially when they offered " overdrawn protection '' and I declined!

Problem with a lender or other company charging your account

XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank of America in XXXX XXXX Faxed an unauthorised ACH form to Bank of America i n XXXX XXXX . A notarized letter ( signed by the signatories to the account ) was sent to Bank of America o n XX/XX/XXXX . Bank of America has not refunded the unathorised withdrawal.

Application, originator, mortgage broker

I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.

Written notification about debt

Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.

Incorrect information on your report

On XXXX / XXXX / 2017 , CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now XXXX and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!

Closing/Cancelling account

On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.

Communication tactics

the law firm of lustig, glaser and wilson have been repeatedly calling my in- [ aws. I called and emailed them and gave them my number which they still have not called. Now, I am XXXX

Improper use of your report

I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Late fee

My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.

Cont'd attempts collect debt not owed

Debt was included in bankruptcy and my wages are being garnished for it now.

Improper use of your report

I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.

Charged fees or interest I didn't expect

I was charged a great amount of interest and was not aware of it.

Cont'd attempts collect debt not owed

I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.

Incorrect information on credit report

Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.

Struggling to pay your loan

I am having trouble making the payments I borrowed XXXX but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay

Incorrect information on your report

There is a credit account showing up on my credit reports that don't belong to me. The account is XXXX with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.

Taking/threatening an illegal action

A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.

Written notification about debt

This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Incorrect information on your report

Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them

Getting a credit card

American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name

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

XXXX XXXX 2017 {$1.00} Wrong information XXXX

Incorrect information on credit report

I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.

Cont'd attempts collect debt not owed

I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.

Attempts to collect debt not owed

creditor agreed to remove accounts.

Disclosure verification of debt

I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.

Delinquent account

I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.

Incorrect information on credit report

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!

Attempts to collect debt not owed

Convergent is attempting to collect on a debt, however they have presented no written agreement or contract with my wet ink signature proving that I contracted with them and that I owe said debt.

Disclosure verification of debt

I have sent XXXX debt validation letters to Portfolio Recovery Associates LLC. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX in an effort to get verification of this debt. The company has ignored by requests and has failed to prove I am the owner of this debt.

Problems caused by my funds being low

TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.

Managing the loan or lease

I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.

Incorrect information on credit report

I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.

Improper use of your report

When I was purchasing a vehicle in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit

Improper use of your report

I received notice from a credit monitoring product that I had an hard inquiry today X/XX/18 on my Trans union credit report. I did not request that any XXXX XXXX companies run my credit.

Cont'd attempts collect debt not owed

I 'm being charged over XXXX for non-existent charges. I would like to ask for this charge to be removed before I proceed with contacting my lawyers to counter sue and press charges for the personal damages this XXXX company cause me and my family. I completed my contract and left the apt with no damages. I have evidence with my local news here in XXXX, Texas.

Incorrect information on your report

I have found this information on my report : US BKPT CT NJ XXXX Reference # XXXX

Improper use of your report

Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.

Account opening, closing, or management

Y bank TD bank charged me enormous overdraft fees I did not sign up for this service

Incorrect information on your report

I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Written notification about debt

I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.

Communication tactics

One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.