determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Making/receiving payments, sending money	I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.
Incorrect information on your report	Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in XXXX . XXXX / XXXX / 17
Cont'd attempts collect debt not owed	The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.
Cont'd attempts collect debt not owed	This debt has been removed from my credit report several times and XXXX keeps reinserting them. Sometimes within hours of finding they had been removed. Other times XXXX has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!
Communication tactics	They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off
Other	COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )
Incorrect information on your report	Identity theft XXXX DATE UNKNOWN ANOUNT UNKNOWN
Billing disputes	on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid
Improper contact or sharing of info	I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.
Improper use of your report	All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.
Identity theft / Fraud / Embezzlement	I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.
Cont'd attempts collect debt not owed	CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.
Cont'd attempts collect debt not owed	I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.
Loan servicing, payments, escrow account	My mortgage company, Carrington Mortgage Services, is threatening to foreclose on my home. They have lost a payment that has cleared my bank. I have worked very hard to bring my account current. They are also adversely affecting my credit rating
Loan servicing, payments, escrow account	I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.
Application, originator, mortgage broker	My refi application process has stalled, my loan officer is not responding to emails.
Incorrect information on credit report	I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX
Incorrect information on credit report	This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. Thank you.
Problems caused by my funds being low	I have been charged over {$600.00} in overdraft fees the past few months because of the way TD Bank illegally reorders transactions to their benefit.
Identity theft protection or other monitoring services	TD Bank blocks external sources from accessing account which is inconvenient - I am trying to use " XXXX '' application.
Incorrect information on credit report	The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score
Identity theft / Fraud / Embezzlement	I received a letter with my address and someone else name for credit.
Account opening, closing, or management	Did not receive the promised bonus for depositing a certain amount into the savings account ( Promo Code XXXX as mentioned in the letter sent to me )
Improper use of your report	XXXX did not protect my information, so I am at risk of having my identity stolen.
Dealing with your lender or servicer	I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient. They have mailed me an generic document on how to repay the debt but that's it. My total Debt {$110000.00}.
Loan modification,collection,foreclosure	Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.
Took or threatened to take negative or legal action	XXXX XXXX for the amount {$330.00}. I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. I have n knowledge of this debt nor XXXX XXXX.
Disclosure verification of debt	I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK
Improper use of your report	Equifax security breach, I was flagged as being a victim.
Written notification about debt	As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.
Loan servicing, payments, escrow account	I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything
Incorrect information on your report	I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}
False statements or representation	The original creditor was XXXX XXXX and my limit on the card was {$300.00}. I charged {$300.00} on the card in XXXX XXXX and missed my 1st payment and was charged a {$25.00} late fee. They closed my card in XXXX XXXX without giving me the chance to pay it. Then I received a bill for {$640.00} from Midland Funding.
Account opening, closing, or management	I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.
Closing your account	I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. " account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.
Incorrect information on credit report	Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?
Problem with a credit reporting company's investigation into an existing problem	Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft
Incorrect information on your report	On my XXXX XXXX account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue. thank you
Incorrect information on credit report	Per my last dispute TransUnion stated that they would remove the inquiries that were pulled without my knowledge, however when I checked my credit report they 're still XXXX inquiries that were supposed to be removed that was n't. Please look at the company 's response for this complaint # XXXX. 1. XXXX-XX/XX/XXXX XXXX AUTO- XX/XX/XXXX
Fees or interest	Hi, good afternoon, I 'm putting this complaint against amazon store card, for not fair charges, every month when I pay the bill, they always increase the interest charge, the more they pay, the more interest they charge and I think it 's not fair because this assumption To lower the interest charge, I have proof of this and I will send them, to verify the information and take a letter on this subject, and can help me to solve this problem
Unexpected or other fees	My government feeds are not coming on to my card and I need the problem fix today
Incorrect information on credit report	I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.
Can't repay my loan	I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.
Improper contact or sharing of info	XXXX with National Credit Adjusters has tried to contact my employer stating she has business with me. The return number is XXXX ext XXXX . I did not authorize them to contact my employer, and I do n't know how they got my employer 's phone number.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Loan modification,collection,foreclosure	I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON
Attempts to collect debt not owed	This account is not mine. Please remove from my credit Report.
Closing your account	The account is paid and closed. The last 4 of my social are XXXX
Cont'd attempts collect debt not owed	I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.
Advertising and marketing	Received a suspicious letter in the mail offering credit to my personally owned XXXX. Letter contains a " card '' with numbers, my name, a misspelling of my company 's name and says call to activate. The card lacks any emblem for XXXX, XXXX, or other processing companies and is offering {$150000.00} in credit at 0 % for 90 days. I immediately recognized it as a scam and am now reporting it.
Loan modification,collection,foreclosure	I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.
Problem with a credit reporting company's investigation into an existing problem	I requested that Equifax, XXXX , XXXX remove a judgment XXXX on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of XXXX , this judgment still remains on my credit report. I made a second request to Equifax, XXXX , XXXX on XXXX , requesting that the credit reporting agencies remove this item.
Disclosure verification of debt	I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.
Applying for a mortgage or refinancing an existing mortgage	XXXX XXXX , XXXX XXXX Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.
Disclosure verification of debt	Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.
Deposits and withdrawals	I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.
Incorrect information on your report	This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.
Cont'd attempts collect debt not owed	RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
Incorrect information on your report	Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on
Incorrect information on credit report	Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.
Applied for loan/did not receive money	Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.
Improper use of your report	Alerted on XXXX XXXX that my personal information could have been affected by the Equifax data breach.
Incorrect information on your report	I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 1. XXXX XXXX {$54.00}
Incorrect information on your report	XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.
Incorrect information on credit report	I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.
Took or threatened to take negative or legal action	Have my medical info without my permission. Dont want third party to have my medical bills
Dealing with my lender or servicer	Followed a link for a company that claimed to be a education loan servicing company. They took my information and accessed my accounts. the company is named EDULOANSERVICING and claims to be based in California
Unable to get credit report/credit score	I ca n't view my credit reports and YOU are costing me Section 8 Housing. The apartment complex denied my residency. I only have a few days for an appeal. HELP me, PLEASE!
Communication tactics	This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
Cont'd attempts collect debt not owed	Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.
Incorrect information on credit report	Equifax continues to report that I have no sourceof income. I have been a XXXXfor over XXXX years. They have been sent myinformation XXXX times, and no changes!
Incorrect information on credit report	EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Taking out the loan or lease	TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. I have the letter and payment schedule.
Incorrect information on credit report	I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company
Communication tactics	This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.
Identity theft protection or other monitoring services	Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX 2017. The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.
Improper use of your report	I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.
Incorrect information on credit report	Yes. I sent certified letters that got no response nor action taking by the company
Taking out the loan or lease	I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.
Application, originator, mortgage broker	I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.
Written notification about debt	Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.
Disclosure verification of debt	I have requested validation several times and nothing received. Please help
Communication tactics	A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.
Can't repay my loan	Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help
Cont'd attempts collect debt not owed	I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. Thanks, XXXX.
Improper contact or sharing of info	Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.
Can't contact lender or servicer	I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.
Cont'd attempts collect debt not owed	I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.
Taking/threatening an illegal action	I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX
Problem with a credit reporting company's investigation into an existing problem	sent police report and idtheft protection cra violation inaccurate information
Incorrect information on credit report	XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. It seems as though they could contact each other to straighten this out.
Incorrect information on your report	Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.
Can't repay my loan	Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.
Incorrect information on your report	Fraudulent inquiries.. All inquiries are not mine.
Disclosure verification of debt	This company is reporting and account that other bureaus has already removed. I have been disputing this invalid entry for several months. I have never received any response from them with regards to my dispute and my verification request through the bureaus.
Credit card protection / Debt protection	I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.
Improper use of your report	I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
Money was not available when promised	I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.
Managing the loan or lease	Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.

Making/receiving payments, sending money

I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.

Incorrect information on your report

Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in XXXX . XXXX / XXXX / 17

Cont'd attempts collect debt not owed

The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.

Cont'd attempts collect debt not owed

This debt has been removed from my credit report several times and XXXX keeps reinserting them. Sometimes within hours of finding they had been removed. Other times XXXX has " sold off '' the account to a subsidiary and reinserted the debt as if it were new!

Communication tactics

They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off

Other

COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )

Incorrect information on your report

Identity theft XXXX DATE UNKNOWN ANOUNT UNKNOWN

Billing disputes

on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid

Improper contact or sharing of info

I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.

Improper use of your report

All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.

Identity theft / Fraud / Embezzlement

I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.

Cont'd attempts collect debt not owed

CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.

Cont'd attempts collect debt not owed

I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.

Loan servicing, payments, escrow account

My mortgage company, Carrington Mortgage Services, is threatening to foreclose on my home. They have lost a payment that has cleared my bank. I have worked very hard to bring my account current. They are also adversely affecting my credit rating

Loan servicing, payments, escrow account

I received a call from LoanCare LLC, who just assumed my mortgage less than 30 days ago, and they claimed that my debt was overdue. When pressed, she finally relented and said I have 60 days to pay without penalty and then attempt to get my personal financial information in order to avoid incurring fees.

Application, originator, mortgage broker

My refi application process has stalled, my loan officer is not responding to emails.

Incorrect information on credit report

I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX

Incorrect information on credit report

This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. Thank you.

Problems caused by my funds being low

I have been charged over {$600.00} in overdraft fees the past few months because of the way TD Bank illegally reorders transactions to their benefit.

Identity theft protection or other monitoring services

TD Bank blocks external sources from accessing account which is inconvenient - I am trying to use " XXXX '' application.

Incorrect information on credit report

The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score

Identity theft / Fraud / Embezzlement

I received a letter with my address and someone else name for credit.

Account opening, closing, or management

Did not receive the promised bonus for depositing a certain amount into the savings account ( Promo Code XXXX as mentioned in the letter sent to me )

Improper use of your report

XXXX did not protect my information, so I am at risk of having my identity stolen.

Dealing with your lender or servicer

I have asked Dept of Education Navient to sent me my original instrument of indebtedness. I have send multiple certified letters via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I haven't seen the original form saying I signed for this debt from Navient. They have mailed me an generic document on how to repay the debt but that's it. My total Debt {$110000.00}.

Loan modification,collection,foreclosure

Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.

Took or threatened to take negative or legal action

XXXX XXXX for the amount {$330.00}. I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. I have n knowledge of this debt nor XXXX XXXX.

Disclosure verification of debt

I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK

Improper use of your report

Equifax security breach, I was flagged as being a victim.

Written notification about debt

As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.

Loan servicing, payments, escrow account

I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything

Incorrect information on your report

I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}

False statements or representation

The original creditor was XXXX XXXX and my limit on the card was {$300.00}. I charged {$300.00} on the card in XXXX XXXX and missed my 1st payment and was charged a {$25.00} late fee. They closed my card in XXXX XXXX without giving me the chance to pay it. Then I received a bill for {$640.00} from Midland Funding.

Account opening, closing, or management

I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.

Closing your account

I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. " account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.

Incorrect information on credit report

Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?

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

Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Incorrect information on your report

On my XXXX XXXX account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue. thank you

Incorrect information on credit report

Per my last dispute TransUnion stated that they would remove the inquiries that were pulled without my knowledge, however when I checked my credit report they 're still XXXX inquiries that were supposed to be removed that was n't. Please look at the company 's response for this complaint # XXXX. 1. XXXX-XX/XX/XXXX XXXX AUTO- XX/XX/XXXX

Fees or interest

Hi, good afternoon, I 'm putting this complaint against amazon store card, for not fair charges, every month when I pay the bill, they always increase the interest charge, the more they pay, the more interest they charge and I think it 's not fair because this assumption To lower the interest charge, I have proof of this and I will send them, to verify the information and take a letter on this subject, and can help me to solve this problem

Unexpected or other fees

My government feeds are not coming on to my card and I need the problem fix today

Incorrect information on credit report

I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.

Can't repay my loan

I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.

Improper contact or sharing of info

XXXX with National Credit Adjusters has tried to contact my employer stating she has business with me. The return number is XXXX ext XXXX . I did not authorize them to contact my employer, and I do n't know how they got my employer 's phone number.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Loan modification,collection,foreclosure

I FELL BEHIND IN MY MORTGAGE DUE TO UNEMPLOYMENT AND I HAVE TRIED TO GET HELP BUT THE BANK HAS DENIED MY REQUEST MULTIPLE TIMES WITH OUT ANY REASON

Attempts to collect debt not owed

This account is not mine. Please remove from my credit Report.

Closing your account

The account is paid and closed. The last 4 of my social are XXXX

Cont'd attempts collect debt not owed

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

Advertising and marketing

Received a suspicious letter in the mail offering credit to my personally owned XXXX. Letter contains a " card '' with numbers, my name, a misspelling of my company 's name and says call to activate. The card lacks any emblem for XXXX, XXXX, or other processing companies and is offering {$150000.00} in credit at 0 % for 90 days. I immediately recognized it as a scam and am now reporting it.

Loan modification,collection,foreclosure

I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.

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

I requested that Equifax, XXXX , XXXX remove a judgment XXXX on my credit report, whereby this judgment has since been paid and it was vacated in Ma ryland ( c ourthouse ). However, as of XXXX , this judgment still remains on my credit report. I made a second request to Equifax, XXXX , XXXX on XXXX , requesting that the credit reporting agencies remove this item.

Disclosure verification of debt

I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.

Applying for a mortgage or refinancing an existing mortgage

XXXX XXXX , XXXX XXXX Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.

Disclosure verification of debt

Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.

Deposits and withdrawals

I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.

Incorrect information on your report

This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.

Cont'd attempts collect debt not owed

RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.

Incorrect information on your report

Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on

Incorrect information on credit report

Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.

Applied for loan/did not receive money

Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.

Improper use of your report

Alerted on XXXX XXXX that my personal information could have been affected by the Equifax data breach.

Incorrect information on your report

I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 1. XXXX XXXX {$54.00}

Incorrect information on your report

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX During these months I no longer resided at my old address and had no internet or phone access. I was temporarily homeless and did NOT receive my billing statements. According to the fair credit reporting act CAPITAL ONE should not have reported me as being late if the statements were sent to the wrong address or if I informed them within 60 days that it was never received which I have.

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

XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.

Incorrect information on credit report

I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.

Took or threatened to take negative or legal action

Have my medical info without my permission. Dont want third party to have my medical bills

Dealing with my lender or servicer

Followed a link for a company that claimed to be a education loan servicing company. They took my information and accessed my accounts. the company is named EDULOANSERVICING and claims to be based in California

Unable to get credit report/credit score

I ca n't view my credit reports and YOU are costing me Section 8 Housing. The apartment complex denied my residency. I only have a few days for an appeal. HELP me, PLEASE!

Communication tactics

This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX

Cont'd attempts collect debt not owed

Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.

Incorrect information on credit report

Equifax continues to report that I have no sourceof income. I have been a XXXXfor over XXXX years. They have been sent myinformation XXXX times, and no changes!

Incorrect information on credit report

EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Taking out the loan or lease

TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. I have the letter and payment schedule.

Incorrect information on credit report

I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company

Communication tactics

This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.

Identity theft protection or other monitoring services

Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX 2017. The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.

Improper use of your report

I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.

Incorrect information on credit report

Yes. I sent certified letters that got no response nor action taking by the company

Taking out the loan or lease

I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.

Application, originator, mortgage broker

I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.

Written notification about debt

Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.

Disclosure verification of debt

I have requested validation several times and nothing received. Please help

Communication tactics

A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.

Can't repay my loan

Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help

Cont'd attempts collect debt not owed

I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. Thanks, XXXX.

Improper contact or sharing of info

Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.

Can't contact lender or servicer

I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.

Cont'd attempts collect debt not owed

I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.

Taking/threatening an illegal action

I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX

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

sent police report and idtheft protection cra violation inaccurate information

Incorrect information on credit report

XXXX was paid a final payment of XXXX in XXXX 2016 and they acknowledge it on their end, but diversified consultants keep reporting it to the credit bureau as unpaid. It seems as though they could contact each other to straighten this out.

Incorrect information on your report

Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.

Can't repay my loan

Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.

Incorrect information on your report

Fraudulent inquiries.. All inquiries are not mine.

Disclosure verification of debt

This company is reporting and account that other bureaus has already removed. I have been disputing this invalid entry for several months. I have never received any response from them with regards to my dispute and my verification request through the bureaus.

Credit card protection / Debt protection

I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.

Improper use of your report

I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Money was not available when promised

I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.

Managing the loan or lease

Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.