determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Communication tactics	Call at least 6 times a day all on different numbers and leave voicemails everyone in a while
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate
Incorrect information on credit report	The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.
Cont'd attempts collect debt not owed	I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.
Improper use of your report	Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? Thanks
Problem with a purchase shown on your statement	Just recieved an attached letter from chase, I do not know what does this means..
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Billing disputes	Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.
Credit reporting company's investigation	I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that
Credit decision / Underwriting	Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.
Improper use of your report	Equifax breach has put my identity and credit score at risk. Based on a search on their site, I may be impacted.
Loan modification,collection,foreclosure	My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.
Incorrect information on credit report	On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.
Cont'd attempts collect debt not owed	I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.
Incorrect information on your report	I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.
Loan servicing, payments, escrow account	Please refer to original complaint case number XXXX. Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.
Unable to get credit report/credit score	Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.
Incorrect information on credit report	Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX
Cont'd attempts collect debt not owed	During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.
Problem with a credit reporting company's investigation into an existing problem	There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
Struggling to repay your loan	I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time
Incorrect information on your report	on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days
Incorrect information on your report	The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.
Taking/threatening an illegal action	This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.
Can't stop withdrawals from your bank account	They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them
Incorrect information on your report	This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
Improper use of your report	Equifax - Data Breaching My personal information is at Web for selling - according XXXX
Taking/threatening an illegal action	Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested
Settlement process and costs	We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.
Loan servicing, payments, escrow account	OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.
Taking out the loan or lease	I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this
Cont'd attempts collect debt not owed	Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.
Incorrect information on your report	I called Experian to update my personal information and an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ga XXXX ) that does not belong to me could not be removed. The agent stated that it is linked to an account ( XXXX XXXX XXXX , XXXX ) that does not belong to me.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Very little was done to notify the public for nearly a month after the breach was detected - I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX, 2017.
Incorrect information on your report	Trans union, XXXX, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Managing an account	Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for XXXX so you get with a {$35.00} fee. XXXX get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices
Incorrect information on credit report	I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.
Money was not available when promised	I transferred {$5200.00} from XXXX exchange to my coinbase wallet, which is advertised as instantaneous. However the money is not in my wallet or available.
Incorrect information on credit report	Credit card balances incorrect and credit limit
False statements or representation	I I have paid agreed the credit collection agency has not lived up to the promised by XXXX , XXXX and XXXX , removing it from my credit report they said they would notify the credit bureaus XXXX XXXX and XXXX to have it removed from my credit report they have not done so
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX. Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.
Credit monitoring or identity theft protection services	i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.
Incorrect information on your report	XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Incorrect information on credit report	Transition is reporting to mortgages from XXXX as open owes XXXX dollars the account s have been paid in full and closed.please update asap
Cont'd attempts collect debt not owed	DID NOT HAVE SERVICE WITH THIS COMPANY. I WAS IN SHELTER AT THAT TIME.
Threatened to contact someone or share information improperly	I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.
Incorrect information on your report	Hard inquiry done twice on same day for same purpose with XXXX XXXX XXXX XXXX
Shopping for a loan or lease	I did not authorize credit inquiry from this company.
Incorrect information on your report	I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.
Cont'd attempts collect debt not owed	I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?
Problem with a credit reporting company's investigation into an existing problem	{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Improper contact or sharing of info	The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.
Incorrect information on credit report	Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping
Taking out the loan or lease	You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date.
Attempts to collect debt not owed	The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.
Improper use of your report	My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.
Charged fees or interest I didn't expect	Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.
Deposits and withdrawals	Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. Sincerely Yours,
Struggling to pay mortgage	Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.
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 without notifying me of the debt which I am afforded under article 809a of the FDCPA
Incorrect information on your report	I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. I have made several phone calls and credit bureau disputes. This line continues to report.
Incorrect information on your report	Credit report shows a real estate account as open that is closed. Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.
Loan servicing, payments, escrow account	I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.
Incorrect information on credit report	My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Incorrect information on your report	late pmts after acct was closed
Incorrect information on your report	My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : - XXXX thru XXXX , XXXX ; - XXXX thru XXXX XXXX . I have written to the lender many occasions and have not received a response.
Managing the loan or lease	XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid.
Taking/threatening an illegal action	I was served with a notice of small claims court for a debt. I called the company and settled the debt making monthly installments for the next XXXX years. I am currently paying XXXX $ a month. I was assured that the court case would be dismissed as we settled outside of court. However, I received a Entry of Judgement notice in the mail last night. So they obviously never dismissed the case.
Problem with a credit reporting company's investigation into an existing problem	I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Incorrect information on your report	HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. Thanks XXXX XXXX XXXX XXXX XXXX
Incorrect information on your report	XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.
Cont'd attempts collect debt not owed	This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.
Problem with a credit reporting company's investigation into an existing problem	XX/XX/17 I discovered I may have been impacted by the Equifax security breach in XX/XX/XXXX.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX 2017 I mailed a certified letter to Transunion and XXXX disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
Incorrect information on credit report	They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain credit.
Incorrect information on credit report	please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. please help me to remove these unfortunate negatives. thank you
Applied for loan/did not receive money	I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.
Cont'd attempts collect debt not owed	I paid the debt they wo n't take of my credit report
Other service issues	North Carolina State Employees Credit Union I have banked there since 2001. Recently, I moved abroad and often need to transfer/wire funds to myself. I was told XXXX performs that function for them. Until recently, the wire charge for XXXX dollars. This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. That is almost a TRIPLED charge.
Incorrect information on your report	XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Managing the loan or lease	Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.
Other features, terms, or problems	Capital One denied access to my account through the XXXX app.
Closing your account	American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.
Attempts to collect debt not owed	XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.
Struggling to repay your loan	I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.
Incorrect information on your report	I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times. Account : XXXX XXXX XXXX
Money was not available when promised	Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.
Incorrect information on credit report	On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Account opening, closing, or management	Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.
Cont'd attempts collect debt not owed	Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. I have no outstanding debt.
Can't repay my loan	I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.
Incorrect information on credit report	I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently
Credit reporting company's investigation	received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.
Incorrect information on credit report	A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.
Credit reporting company's investigation	I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion
Other features, terms, or problems	I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.
Incorrect information on your report	I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Cont'd attempts collect debt not owed	I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.
False statements or representation	On XX/XX/2017 I receive a collection notice from the Department of Education-National payment center, XXXX. XXXX XXXX, XXXX Ga XXXX ; telephone # XXXX to pay XXXX a month for my student loans, I did not send them a cent. I contacted my school-Mohela which I am sending student loan repayment to. Mohela told me that this is a third party company and for me to contact CFPB and write up an complaint towards Dept of Education ... ..

Communication tactics

Call at least 6 times a day all on different numbers and leave voicemails everyone in a while

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

XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate

Incorrect information on credit report

The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.

Cont'd attempts collect debt not owed

I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.

Improper use of your report

Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? Thanks

Problem with a purchase shown on your statement

Just recieved an attached letter from chase, I do not know what does this means..

Cont'd attempts collect debt not owed

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

Billing disputes

Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.

Credit reporting company's investigation

I am on the end that suffers the most, I am innocent but the reporting agencies never make a mistake according to them, they can go on and on and after they XXXX up your life for a yr. or XXXX they say oh we made a mistake sorry, the biggest scam now is credit fraud, how do we know its not coming from the reporting agencies ill bet on that

Credit decision / Underwriting

Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.

Improper use of your report

Equifax breach has put my identity and credit score at risk. Based on a search on their site, I may be impacted.

Loan modification,collection,foreclosure

My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.

Incorrect information on credit report

On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.

Cont'd attempts collect debt not owed

I contacted agency to pay debt. They made a settlement for the debt. They the reported debt as late and still owing a {$64.00} balance. I have tried contacting them when I explain what happen they hang up on me each time.

Incorrect information on your report

I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.

Loan servicing, payments, escrow account

Please refer to original complaint case number XXXX. Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.

Unable to get credit report/credit score

Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.

Incorrect information on credit report

Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX

Cont'd attempts collect debt not owed

During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.

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

There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

Struggling to repay your loan

I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time

Incorrect information on your report

on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days

Incorrect information on your report

The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.

Taking/threatening an illegal action

This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.

Can't stop withdrawals from your bank account

They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them

Incorrect information on your report

This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

Improper use of your report

Equifax - Data Breaching My personal information is at Web for selling - according XXXX

Taking/threatening an illegal action

Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested

Settlement process and costs

We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.

Loan servicing, payments, escrow account

OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.

Taking out the loan or lease

I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this

Cont'd attempts collect debt not owed

Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.

Incorrect information on your report

I called Experian to update my personal information and an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ga XXXX ) that does not belong to me could not be removed. The agent stated that it is linked to an account ( XXXX XXXX XXXX , XXXX ) that does not belong to me.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Very little was done to notify the public for nearly a month after the breach was detected - I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX, 2017.

Incorrect information on your report

Trans union, XXXX, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

Managing an account

Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for XXXX so you get with a {$35.00} fee. XXXX get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices

Incorrect information on credit report

I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.

Money was not available when promised

I transferred {$5200.00} from XXXX exchange to my coinbase wallet, which is advertised as instantaneous. However the money is not in my wallet or available.

Incorrect information on credit report

Credit card balances incorrect and credit limit

False statements or representation

I I have paid agreed the credit collection agency has not lived up to the promised by XXXX , XXXX and XXXX , removing it from my credit report they said they would notify the credit bureaus XXXX XXXX and XXXX to have it removed from my credit report they have not done so

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX. Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.

Credit monitoring or identity theft protection services

i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.

Incorrect information on your report

XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Incorrect information on credit report

Transition is reporting to mortgages from XXXX as open owes XXXX dollars the account s have been paid in full and closed.please update asap

Cont'd attempts collect debt not owed

DID NOT HAVE SERVICE WITH THIS COMPANY. I WAS IN SHELTER AT THAT TIME.

Threatened to contact someone or share information improperly

I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.

Incorrect information on your report

Hard inquiry done twice on same day for same purpose with XXXX XXXX XXXX XXXX

Shopping for a loan or lease

I did not authorize credit inquiry from this company.

Incorrect information on your report

I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

Cont'd attempts collect debt not owed

I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?

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

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

Improper contact or sharing of info

The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.

Incorrect information on credit report

Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping

Taking out the loan or lease

You stated that it was not assigned to a different lender, so give me the EIN numbers of XXXX XXXX XXXX and also the EIN number of XXXX before they changed their names to Wells Fargo Dealer Services. And the last XXXX numbers of Wells Fargo Dealer Services 's EIN number as of todays date.

Attempts to collect debt not owed

The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.

Improper use of your report

My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.

Charged fees or interest I didn't expect

Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.

Deposits and withdrawals

Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. Sincerely Yours,

Struggling to pay mortgage

Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.

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 without notifying me of the debt which I am afforded under article 809a of the FDCPA

Incorrect information on your report

I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. I have made several phone calls and credit bureau disputes. This line continues to report.

Incorrect information on your report

Credit report shows a real estate account as open that is closed. Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.

Loan servicing, payments, escrow account

I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.

Incorrect information on credit report

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Incorrect information on your report

late pmts after acct was closed

Incorrect information on your report

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : - XXXX thru XXXX , XXXX ; - XXXX thru XXXX XXXX . I have written to the lender many occasions and have not received a response.

Managing the loan or lease

XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid.

Taking/threatening an illegal action

I was served with a notice of small claims court for a debt. I called the company and settled the debt making monthly installments for the next XXXX years. I am currently paying XXXX $ a month. I was assured that the court case would be dismissed as we settled outside of court. However, I received a Entry of Judgement notice in the mail last night. So they obviously never dismissed the case.

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

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Incorrect information on your report

HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. Thanks XXXX XXXX XXXX XXXX XXXX

Incorrect information on your report

XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.

Cont'd attempts collect debt not owed

This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.

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

XX/XX/17 I discovered I may have been impacted by the Equifax security breach in XX/XX/XXXX.

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

XXXX XXXX 2017 I mailed a certified letter to Transunion and XXXX disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

Incorrect information on credit report

They reinserted all the previously disputed inquiries that were deleted, and put it all back on my credit report impacting my ability to obtain credit.

Incorrect information on credit report

please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. please help me to remove these unfortunate negatives. thank you

Applied for loan/did not receive money

I have not taken out a loan from XXXX and I have a confirmation from XXXX XXXX, XXXX the owner of XXXX that I never took out a payday loan from XXXX. They called and threatened criminal charges today if I didnt set up a payment arrangement. I know these guys are fraudulent but the only way I could get them to show me who they are is to make a small payment. They are Global Asset Agency registered in Wyoming.

Cont'd attempts collect debt not owed

I paid the debt they wo n't take of my credit report

Other service issues

North Carolina State Employees Credit Union I have banked there since 2001. Recently, I moved abroad and often need to transfer/wire funds to myself. I was told XXXX performs that function for them. Until recently, the wire charge for XXXX dollars. This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. That is almost a TRIPLED charge.

Incorrect information on your report

XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

Managing the loan or lease

Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.

Other features, terms, or problems

Capital One denied access to my account through the XXXX app.

Closing your account

American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.

Attempts to collect debt not owed

XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.

Struggling to repay your loan

I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.

Incorrect information on your report

I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times. Account : XXXX XXXX XXXX

Money was not available when promised

Reference ID : XXXX. Its been over 180 days. I tried adding my bank but it would n't allow me. I tried requesting a check, but it would n't allow me. It seems like system is having difficulties verifying my phone number. I have {$390.00} in my account.

Incorrect information on credit report

On XXXX XXXX, Transunion Deleted all of my inquiries. I recently checked and my inquiries are back on and my credit score decreased.

Incorrect information on your report

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

Account opening, closing, or management

Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.

Cont'd attempts collect debt not owed

Transworld Systems , Inc keep calling my cell & home number all hours, using different numbers. Askingfor my social securitynumber and other personnal info. I asked them to send a bill if I owed something, they refuse. I have no outstanding debt.

Can't repay my loan

I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.

Incorrect information on credit report

I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently

Credit reporting company's investigation

received my on line credit report. disputed some of the accounts. some were removed but a few were on summery. called again to ask to have them removed and was told they could keep them on record for 10yrs. these accounts are in good standing but go back to XX/XX/XXXX,XX/XX/XXXX. i would like to get them removed, because they look active even if being closed fo so long.

Incorrect information on credit report

A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.

Credit reporting company's investigation

I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion

Other features, terms, or problems

I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.

Incorrect information on your report

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Cont'd attempts collect debt not owed

I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.

False statements or representation

On XX/XX/2017 I receive a collection notice from the Department of Education-National payment center, XXXX. XXXX XXXX, XXXX Ga XXXX ; telephone # XXXX to pay XXXX a month for my student loans, I did not send them a cent. I contacted my school-Mohela which I am sending student loan repayment to. Mohela told me that this is a third party company and for me to contact CFPB and write up an complaint towards Dept of Education ... ..