determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
Charged fees or interest I didn't expect	I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you
Cont'd attempts collect debt not owed	IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.
Unauthorized transactions or other transaction problem	Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.
Dealing with my lender or servicer	I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.
Incorrect information on credit report	Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Incorrect information on your report	In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Incorrect information on credit report	i have a student loan account that has been closed for a long time and it 's still showing on my credit as an active closed account. I have disputed this situation with the credit bureau and it was suppose to be deleted. This has n't been the case yet. This type of account is past XXXX years.
Credit reporting company's investigation	All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. I do n't understand why Equifax does not follow their own policy.
Credit monitoring or identity protection	i do not accept the answer they gave and wish to dispute their answer
Improper use of your report	I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.
Unable to get credit report/credit score	Equifax refuses to provide report without making me jump through a lot of hoops
Incorrect information on your report	Fraudulent inquiries.. All inquiries are not mine.
Incorrect information on your report	There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.
Settlement process and costs	sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up
Improper use of your report	Equifax security breach resulting in unauthorized release of private consumer information.
Written notification about debt	Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.
Incorrect information on your report	I paid the bill.
Written notification about debt	Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.
Dealing with your lender or servicer	A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.
Taking/threatening an illegal action	Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.
Taking/threatening an illegal action	XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.
Incorrect information on credit report	Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.
Improper use of your report	I notified XXXX about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Problem with a credit reporting company's investigation into an existing problem	I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.
Incorrect information on your report	In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.
Improper use of your report	after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},
Incorrect information on your report	There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX
Can't contact lender	I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX
Problems caused by my funds being low	I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. I was charged {$120.00} this month for a {$2.00} overcharge.
Incorrect information on your report	Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
Incorrect information on your report	I put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.
Dealing with my lender or servicer	While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.
Incorrect information on your report	I filed a chapter XXXX bankcruptcy on XXXX 2015 and XXXX still showing in my credit report XXXX ac count late, I only hav e XXXX new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send XXXX a letter and the Bankruptcy Discharge certificate in XXXX and they did not do anything. Can you please help me with this issue. Thanks
Credit card protection / Debt protection	Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.
Problem with a credit reporting company's investigation into an existing problem	I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Problems when you are unable to pay	I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.
Dealing with my lender or servicer	Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.
Credit line increase/decrease	barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is
Written notification about debt	I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.
Other	i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.
False statements or representation	Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.
Shopping for a loan or lease	Wells Fargo turned me down for a car loan.
Was approved for a loan, but didn't receive the money	I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled
Incorrect information on credit report	There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.
Incorrect information on your report	XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.
Incorrect information on your report	Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..
Incorrect information on credit report	please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. thank you for your help
Dealing with my lender or servicer	So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.
Communication tactics	Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled. I paid on them for 15 more. I tried to settle them and they would not try to settle.
Incorrect information on your report	On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.
Incorrect information on your report	report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016
Opening an account	I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.
Improper use of my credit report	Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.
Settlement process and costs	My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.
Improper use of your report	FULL VALIDATION
Improper use of your report	This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Disclosure verification of debt	A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.
Managing the loan or lease	An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.
Credit monitoring or identity theft protection services	Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.
Improper use of your report	This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.
Disclosure verification of debt	XXXX account that went into collection. another company had the account and now this company have the account stating its a new account on my credit report
Applied for loan/did not receive money	Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action
Problem with a credit reporting company's investigation into an existing problem	XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Cont'd attempts collect debt not owed	I have no idea what this debt is please provide original documents showing the validity of this debt
Problem with a purchase or transfer	made a deposit to my account XX/XX/2017 {$36.00} it still has not been posted to my paypal account Please see supporting documents
Adding money	Put money on card and now the card is not working and I am out of town
Customer service / Customer relations	I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them.
Cont'd attempts collect debt not owed	I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.
Attempts to collect debt not owed	I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.
Credit reporting company's investigation	Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.
Incorrect information on credit report	I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. I would like Capital one to remove those negative marks.
Incorrect information on your report	I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks
Incorrect information on your report	show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california
Incorrect information on credit report	XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number
Incorrect information on credit report	Incorrect information is being reported by the credit bureau 's. My identity was stolen.
Disclosure verification of debt	i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. I just want it to stop.
Dealing with my lender or servicer	I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.
Incorrect information on credit report	The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified
Communication tactics	Calling multiple time in a row then sending emails repeatedly
Written notification about debt	XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
Credit reporting company's investigation	I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Took or threatened to take negative or legal action	Ability Recovery Services is at tempting to collect a debt for XXXX XXXX . I have never attended XXXX XXXX . I have disputed this debt several times with all XXXX major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of delinquency being reported is XXXX / XXXX / 2014 .
Written notification about debt	I dont think its fair for this to show up on my credit report when they get a grant for me attending
Opening an account	I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.
Improper use of my credit report	I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.
Struggling to pay your loan	My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.
Struggling to pay mortgage	The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Cont'd attempts collect debt not owed	I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay
Incorrect information on your report	CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.
Attempts to collect debt not owed	On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. I have never had an account with XXXX.
Trouble using the card	Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale. Asked clerk to scan & verify the current amount on card, {$250.00}. Amount correct, buys from seller. Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.
Making/receiving payments, sending money	on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.
Dealing with my lender or servicer	I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Problem with a credit reporting company's investigation into an existing problem	My discover card XXXX is not being reported on my XXXX credit report.
Loan servicing, payments, escrow account	hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.
Cont'd attempts collect debt not owed	The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL
Written notification about debt	Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. Thanks!

Cont'd attempts collect debt not owed

received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.

Charged fees or interest I didn't expect

I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you

Cont'd attempts collect debt not owed

IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.

Unauthorized transactions or other transaction problem

Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.

Dealing with my lender or servicer

I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.

Incorrect information on credit report

Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Incorrect information on your report

In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Incorrect information on credit report

i have a student loan account that has been closed for a long time and it 's still showing on my credit as an active closed account. I have disputed this situation with the credit bureau and it was suppose to be deleted. This has n't been the case yet. This type of account is past XXXX years.

Credit reporting company's investigation

All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. I do n't understand why Equifax does not follow their own policy.

Credit monitoring or identity protection

i do not accept the answer they gave and wish to dispute their answer

Improper use of your report

I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true score.

Unable to get credit report/credit score

Equifax refuses to provide report without making me jump through a lot of hoops

Incorrect information on your report

Fraudulent inquiries.. All inquiries are not mine.

Incorrect information on your report

There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.

Settlement process and costs

sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up

Improper use of your report

Equifax security breach resulting in unauthorized release of private consumer information.

Written notification about debt

Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.

Incorrect information on your report

I paid the bill.

Written notification about debt

Hello, I am signed up with XXXX XXXX monitoring and I checked my credit and noticed that a collection was added to my report on XXXX/XXXX/XXXX. I did not receive any kind of letter/notice from this company in order to dispute the debt ; I was not given the opportunity to dispute it. Not only that, the hospital has never sent me a bill for {$1300.00}, the amount of the reported collection.

Dealing with your lender or servicer

A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.

Taking/threatening an illegal action

Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.

Taking/threatening an illegal action

XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.

Incorrect information on credit report

Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.

Improper use of your report

I notified XXXX about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

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

I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.

Incorrect information on your report

In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

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

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.

Improper use of your report

after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},

Incorrect information on your report

There is an address on my credit report that I have never lived at that the credit bureaus will not dispute or allow a dispute of. I am demanding this address be removed from my credit report as the credit bureaus are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX

Can't contact lender

I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX

Problems caused by my funds being low

I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. I was charged {$120.00} this month for a {$2.00} overcharge.

Incorrect information on your report

Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.

Incorrect information on your report

I put in a dispute with experian to update my personal information and delete my old address and their are to address that have have accounts that are part of them and they are refriguing to remove those two addresses.

Dealing with my lender or servicer

While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.

Incorrect information on your report

I filed a chapter XXXX bankcruptcy on XXXX 2015 and XXXX still showing in my credit report XXXX ac count late, I only hav e XXXX new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send XXXX a letter and the Bankruptcy Discharge certificate in XXXX and they did not do anything. Can you please help me with this issue. Thanks

Credit card protection / Debt protection

Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.

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

I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF

Problems when you are unable to pay

I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.

Dealing with my lender or servicer

Spoke with a agent with student loan hrlp center about consolidating my loans to get them paid. In doing so i was not aware of them being a third party lender. So i asked them to cancel it and they would not. While going back and fourth with them i filled out an application with XXXX and it was a way better program. My first payment will be on XXXX. But this third party lender has taking payment in which i did not authorize.

Credit line increase/decrease

barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is

Written notification about debt

I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.

Other

i paid a company with my american express card that turned out to be a scam.i reached out to my credit card company for help and was told they could not help me.supposedly i was out of a time period to dispute.i just dont understand why they would do that.a company as big as american express should be able to do something.the company name was XXXX.

False statements or representation

Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.

Shopping for a loan or lease

Wells Fargo turned me down for a car loan.

Was approved for a loan, but didn't receive the money

I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled

Incorrect information on credit report

There are several items reported on my credit with Trans Union that are not mine. I was n't aware of the accounts being listed on there until I decided to review my credit report. I submitted a request to have them removed but this was not done she with no explanation as to why they were n't.

Incorrect information on your report

XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.

Incorrect information on your report

Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..

Incorrect information on credit report

please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. thank you for your help

Dealing with my lender or servicer

So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.

Communication tactics

Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled. I paid on them for 15 more. I tried to settle them and they would not try to settle.

Incorrect information on your report

On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.

Incorrect information on your report

report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016

Opening an account

I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.

Improper use of my credit report

Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.

Settlement process and costs

My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.

Improper use of your report

FULL VALIDATION

Improper use of your report

This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Disclosure verification of debt

A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.

Managing the loan or lease

An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.

Credit monitoring or identity theft protection services

Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.

Improper use of your report

This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.

Disclosure verification of debt

XXXX account that went into collection. another company had the account and now this company have the account stating its a new account on my credit report

Applied for loan/did not receive money

Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action

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

XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

Cont'd attempts collect debt not owed

I have no idea what this debt is please provide original documents showing the validity of this debt

Problem with a purchase or transfer

made a deposit to my account XX/XX/2017 {$36.00} it still has not been posted to my paypal account Please see supporting documents

Adding money

Put money on card and now the card is not working and I am out of town

Customer service / Customer relations

I contacted Macy 's and requested a goodwill adjustment of their credit reporting. I have been a customer since XX/XX/XXXX and have only had three months of past due status. All three were in XX/XX/XXXX. I continue to be a customer with them.

Cont'd attempts collect debt not owed

I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.

Attempts to collect debt not owed

I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.

Credit reporting company's investigation

Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.

Incorrect information on credit report

I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. I would like Capital one to remove those negative marks.

Incorrect information on your report

I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks

Incorrect information on your report

show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california

Incorrect information on credit report

XXXX XXXX collection according my is not mine identify theft also attached a copy of my police report number

Incorrect information on credit report

Incorrect information is being reported by the credit bureau 's. My identity was stolen.

Disclosure verification of debt

i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. I just want it to stop.

Dealing with my lender or servicer

I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.

Incorrect information on credit report

The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified

Communication tactics

Calling multiple time in a row then sending emails repeatedly

Written notification about debt

XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Credit reporting company's investigation

I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Took or threatened to take negative or legal action

Ability Recovery Services is at tempting to collect a debt for XXXX XXXX . I have never attended XXXX XXXX . I have disputed this debt several times with all XXXX major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of delinquency being reported is XXXX / XXXX / 2014 .

Written notification about debt

I dont think its fair for this to show up on my credit report when they get a grant for me attending

Opening an account

I opened my account on X/XX/17 with a {$200.00} promotion after making 2 DD > {$300.00} within 90 days. I have met the requirements by XXXX. I contacted BMO Harris on X/XX/17, which was 140+ days since opening the account, and received a reply the same day stating a bonus would be applied within 10 business days. It has now been 11 business days with no bonus or any further communication.

Improper use of my credit report

I pulled my credit report and noticed that there were some unauthorized inquires on my report. Therefore, I contacted the creditor listed and their response was that they did not actually pull my report, but that another company used their software. They then referred me to another company I have never heard of and I was unable to resolve it with them as well.

Struggling to pay your loan

My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.

Struggling to pay mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Cont'd attempts collect debt not owed

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Incorrect information on your report

CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

Attempts to collect debt not owed

On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. I have never had an account with XXXX.

Trouble using the card

Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale. Asked clerk to scan & verify the current amount on card, {$250.00}. Amount correct, buys from seller. Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.

Making/receiving payments, sending money

on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.

Dealing with my lender or servicer

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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

My discover card XXXX is not being reported on my XXXX credit report.

Loan servicing, payments, escrow account

hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.

Cont'd attempts collect debt not owed

The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL

Written notification about debt

Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. Thanks!