determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Dealing with my lender or servicer	Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated
Improper use of your report	I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.
Rewards	Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.
Incorrect information on credit report	Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
Other features, terms, or problems	Company : American Express Card : SPG Problem : Did n't get my welcome bonus for nearly 3 months. Tried to contact the company in earlyXX/XX/XXXX, and they said my issue would be resolved in 6-8 weeks. I contacted the company again on XX/XX/XXXX. They said again that they would fix my problem in 6-8 weeks. Today ( XX/XX/XXXX ) I contacted them again, they still tried to prolong the process.
Communication tactics	They are calling 20 times a day to collect a debt. I 've asked them to stop calling.
Loan servicing, payments, escrow account	Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.
Attempts to collect debt not owed	On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.
Delinquent account	Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. Thank you!
Incorrect information on your report	On XXXX XXXX , 2015 . XXXX reported a debt collector on my credit file named XXXX XXXX in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
Unable to get credit report/credit score	Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.
Dealing with your lender or servicer	On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.
Incorrect information on your report	I had a car through XXXX XXXX and Paid it off completely. But when I look at my credit report it is showing a balance of XXXX with XXXX and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a XXXX balance as well.
Lender repossessed or sold the vehicle	By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.
Trouble during payment process	Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this. All calls directed to call center in XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times. I am scared as the house is in foreclosure
Dealing with my lender or servicer	I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.
Improper use of your report	Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.
Incorrect information on credit report	the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.
Disclosure verification of debt	Debt was included in Bankruptcy
Loan modification,collection,foreclosure	Account has been reporting on my credit longer than 7 years and should be removed.
Incorrect information on your report	XXXX XXXX account does not belong to me it belongs to my ex husband
Credit reporting company's investigation	I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Problem with fraud alerts or security freezes	This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.
Incorrect information on credit report	I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers
Dealing with your lender or servicer	XXXX XXXX Account # XXXX I borrowed {$3500.00} in XXXX I started paying in XXXX I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX I still owe Total Current Balance : {$2400.00}. Something is not adding up.
Struggling to pay your loan	THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.
Incorrect information on credit report	Equifax keeps giving me the run around on getting things removed from my account
Incorrect information on your report	XXXX XXXX XXXX is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or XXXX XXXX . This was not me
Closing your account	Due to the dramatic decrease in my credit score, a company closed my account due to the fear of my financial struggles. The card was paid off completely and did n't have any open credit.
Incorrect information on your report	XXXX XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}
Can't contact lender	I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP
Loan modification,collection,foreclosure	Bank of America has denied efforts to assist with a loan workout or modification of homeowners line of credit. Refuse to assist in refinancing or repayment plan, we have made several efforts to contact Bank of America to get needed assistance to stay in good standings. Instead of helping with other options or programs they consistently are harassing the elderly and are now threatening a XXXX year old senior citizen with foreclosure.
Managing an account	I am trying to obtain my XXXX int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX int documents. The contact phone number states that they are unable to assist me.
Credit reporting company's investigation	I sent a letter to Equifax on XX/XX/XXXX requesting an investigation. More than 30 days have passed, and they have not responded in any way.
Improper use of your report	I have inquires on all my credit report that was not authorized my me. XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , I 've send letters and made numerous phone calls to have this inquires removed.
Struggling to pay mortgage	The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Credit reporting company's investigation	Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.
Communication tactics	On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Improper use of your report	XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization
Trouble using the card	my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.
Billing disputes	Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...
Charged fees or interest you didn't expect	On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.
Loan modification,collection,foreclosure	Dear CFPB, I am requesting a immediate update on my Modification on my condo. Called in and it seems they are not able to update after 60 days. Prefer update in writing.
Incorrect information on credit report	hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.
Cont'd attempts collect debt not owed	Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.
Incorrect information on credit report	I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.
Cont'd attempts collect debt not owed	I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.
Billing disputes	Request : Deleted permanently from my credit report. Status : Account paid on time.
Incorrect information on credit report	I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.
Communication tactics	Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX
Improper use of your report	Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Attempts to collect debt not owed	CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.
False statements or representation	I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.
Problems at the end of the loan or lease	After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me
Incorrect information on credit report	Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you
Struggling to pay your loan	The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars
Charged fees or interest you didn't expect	on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. Attached is the statement from my bank showing the totals for this transaction.
Communication tactics	i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue
Cont'd attempts collect debt not owed	They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine
Improper use of your report	I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! Where are the regulators for this, I am at work and ca n't hunt this down. Please help the consumer! Sincerely, US citizen
Communication tactics	My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is XXXX
Cont'd attempts collect debt not owed	ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. It needs to be removed at once/
Loan servicing, payments, escrow account	Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.
Improper contact or sharing of info	The debt collection agency continues to send letters to my address, even though the person who owes the debt is not affiliated with me and does not live here.
Trouble using your card	I have a credit from chase@XXXX limit issued from XXXX to XXXX. went to use card but card was expried, with out me being aware of it. chase knowing about this did not send me a knewn card. made all my payments on time. talk WITH DIFFERRNT MANGERs .They ask me could they do anthigng for for me. I told them to to give an increase XXXX to XXXX XXXX. everytime I talk with a different manger they would pull my credit. denied me increase, to a good paying consumer.
Trouble during payment process	I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak XXXX
Account opening, closing, or management	I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX 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 my monthly statement did not get to me.
Incorrect information on credit report	XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX
Improper use of my credit report	Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. sincerely XXXX
Dealing with my lender or servicer	Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.
Using a debit or ATM card	I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.
Cont'd attempts collect debt not owed	This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
Credit reporting company's investigation	i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}
Incorrect information on your report	In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Deposits and withdrawals	Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.
Incorrect information on your report	I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.
Other	I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.
Dealing with my lender or servicer	I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.
Disclosure verification of debt	Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.
Improper use of your report	My information was leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.
Other features, terms, or problems	I've asked wells fargo to stop the refund of {$720.00} from leaving the account, yet they've said that it was already processed on XX/XX/18 and that it can't be reversed whatsoever due to their system limitations. I'm frustrated that they're ignoring this issue.
Fees or interest	I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.
Took or threatened to take negative or legal action	XXXX ,2014- $ XXXX - as k XXXX XXXX to remove this off my credit report because this account is past 7 years and n o one call me,
Shopping for a loan or lease	I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.
Other	Old Navy has listed XXXX accounts XXXX closed due to a lost card and the other XXXX claims that I am authorized user but that comes from a previous relationship asked to have both removed and nothing has been done.
Disclosure verification of debt	I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.
Attempts to collect debt not owed	This account is not mine for the amount of {$240.00}.
Improper use of your report	Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents
Communication tactics	I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.
Cont'd attempts collect debt not owed	A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.
Communication tactics	I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.
Disclosure verification of debt	I have a major issue with a couple items that appear to be duplicate and outdated I have disputed these and I get no where. Please help AES/XXXX XXXX AES/XXXX XXXX
Improper use of your report	On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Incorrect information on your report	XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL
Improper use of your report	I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.
Charged fees or interest I didn't expect	Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.

Dealing with my lender or servicer

Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated

Improper use of your report

I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.

Rewards

Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.

Incorrect information on credit report

Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Other features, terms, or problems

Company : American Express Card : SPG Problem : Did n't get my welcome bonus for nearly 3 months. Tried to contact the company in earlyXX/XX/XXXX, and they said my issue would be resolved in 6-8 weeks. I contacted the company again on XX/XX/XXXX. They said again that they would fix my problem in 6-8 weeks. Today ( XX/XX/XXXX ) I contacted them again, they still tried to prolong the process.

Communication tactics

They are calling 20 times a day to collect a debt. I 've asked them to stop calling.

Loan servicing, payments, escrow account

Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.

Attempts to collect debt not owed

On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.

Delinquent account

Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. Thank you!

Incorrect information on your report

On XXXX XXXX , 2015 . XXXX reported a debt collector on my credit file named XXXX XXXX in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.

Unable to get credit report/credit score

Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.

Dealing with your lender or servicer

On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.

Incorrect information on your report

I had a car through XXXX XXXX and Paid it off completely. But when I look at my credit report it is showing a balance of XXXX with XXXX and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a XXXX balance as well.

Lender repossessed or sold the vehicle

By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.

Trouble during payment process

Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this. All calls directed to call center in XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times. I am scared as the house is in foreclosure

Dealing with my lender or servicer

I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.

Improper use of your report

Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to be removed.

Incorrect information on credit report

the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.

Disclosure verification of debt

Debt was included in Bankruptcy

Loan modification,collection,foreclosure

Account has been reporting on my credit longer than 7 years and should be removed.

Incorrect information on your report

XXXX XXXX account does not belong to me it belongs to my ex husband

Credit reporting company's investigation

I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Problem with fraud alerts or security freezes

This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.

Incorrect information on credit report

I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers

Dealing with your lender or servicer

XXXX XXXX Account # XXXX I borrowed {$3500.00} in XXXX I started paying in XXXX I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX I still owe Total Current Balance : {$2400.00}. Something is not adding up.

Struggling to pay your loan

THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.

Incorrect information on credit report

Equifax keeps giving me the run around on getting things removed from my account

Incorrect information on your report

XXXX XXXX XXXX is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or XXXX XXXX . This was not me

Closing your account

Due to the dramatic decrease in my credit score, a company closed my account due to the fear of my financial struggles. The card was paid off completely and did n't have any open credit.

Incorrect information on your report

XXXX XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}

Can't contact lender

I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP

Loan modification,collection,foreclosure

Bank of America has denied efforts to assist with a loan workout or modification of homeowners line of credit. Refuse to assist in refinancing or repayment plan, we have made several efforts to contact Bank of America to get needed assistance to stay in good standings. Instead of helping with other options or programs they consistently are harassing the elderly and are now threatening a XXXX year old senior citizen with foreclosure.

Managing an account

I am trying to obtain my XXXX int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX int documents. The contact phone number states that they are unable to assist me.

Credit reporting company's investigation

I sent a letter to Equifax on XX/XX/XXXX requesting an investigation. More than 30 days have passed, and they have not responded in any way.

Improper use of your report

I have inquires on all my credit report that was not authorized my me. XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , I 've send letters and made numerous phone calls to have this inquires removed.

Struggling to pay mortgage

The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Credit reporting company's investigation

Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.

Communication tactics

On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.

Improper use of your report

XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization

Trouble using the card

my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.

Billing disputes

Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...

Charged fees or interest you didn't expect

On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.

Loan modification,collection,foreclosure

Dear CFPB, I am requesting a immediate update on my Modification on my condo. Called in and it seems they are not able to update after 60 days. Prefer update in writing.

Incorrect information on credit report

hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.

Cont'd attempts collect debt not owed

Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.

Incorrect information on credit report

I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.

Cont'd attempts collect debt not owed

I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.

Billing disputes

Request : Deleted permanently from my credit report. Status : Account paid on time.

Incorrect information on credit report

I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.

Communication tactics

Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX

Improper use of your report

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

Attempts to collect debt not owed

CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

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

XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.

False statements or representation

I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.

Problems at the end of the loan or lease

After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me

Incorrect information on credit report

Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you

Struggling to pay your loan

The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars

Charged fees or interest you didn't expect

on XXXX {$570.00} was deposited into my checking account from Big Picture loans. Starting on XXXX I made 4 installment payments of {$140.00} per agreement. When wanted to pay off loan, I was told I had to pay a total of {$640.00} to be cleared of the debt. I am not gathering how my amount due can be more then what was borrowed when all my payments were made. Attached is the statement from my bank showing the totals for this transaction.

Communication tactics

i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue

Cont'd attempts collect debt not owed

They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine

Improper use of your report

I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! Where are the regulators for this, I am at work and ca n't hunt this down. Please help the consumer! Sincerely, US citizen

Communication tactics

My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is XXXX

Cont'd attempts collect debt not owed

ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. It needs to be removed at once/

Loan servicing, payments, escrow account

Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.

Improper contact or sharing of info

The debt collection agency continues to send letters to my address, even though the person who owes the debt is not affiliated with me and does not live here.

Trouble using your card

I have a credit from chase@XXXX limit issued from XXXX to XXXX. went to use card but card was expried, with out me being aware of it. chase knowing about this did not send me a knewn card. made all my payments on time. talk WITH DIFFERRNT MANGERs .They ask me could they do anthigng for for me. I told them to to give an increase XXXX to XXXX XXXX. everytime I talk with a different manger they would pull my credit. denied me increase, to a good paying consumer.

Trouble during payment process

I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak XXXX

Account opening, closing, or management

I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX 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 my monthly statement did not get to me.

Incorrect information on credit report

XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX

Improper use of my credit report

Dear Sir, With full responsibility i would like to complaint about wrong report on my credit. This is my XXXX year in united states. when i was purchasing car i XXXX to know that i was bad credit score, and when i requested for report, i was rejected to receive the report. I would humbly request credit union to provide me with my full report so that i could analyze what is wrong in the report. sincerely XXXX

Dealing with my lender or servicer

Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.

Using a debit or ATM card

I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.

Cont'd attempts collect debt not owed

This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.

Credit reporting company's investigation

i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}

Incorrect information on your report

In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

Deposits and withdrawals

Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.

Incorrect information on your report

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

Other

I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.

Dealing with my lender or servicer

I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.

Disclosure verification of debt

Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.

Improper use of your report

My information was leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.

Other features, terms, or problems

I've asked wells fargo to stop the refund of {$720.00} from leaving the account, yet they've said that it was already processed on XX/XX/18 and that it can't be reversed whatsoever due to their system limitations. I'm frustrated that they're ignoring this issue.

Fees or interest

I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.

Took or threatened to take negative or legal action

XXXX ,2014- $ XXXX - as k XXXX XXXX to remove this off my credit report because this account is past 7 years and n o one call me,

Shopping for a loan or lease

I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.

Other

Old Navy has listed XXXX accounts XXXX closed due to a lost card and the other XXXX claims that I am authorized user but that comes from a previous relationship asked to have both removed and nothing has been done.

Disclosure verification of debt

I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.

Attempts to collect debt not owed

This account is not mine for the amount of {$240.00}.

Improper use of your report

Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents

Communication tactics

I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.

Incorrect information on your report

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

Incorrect information on credit report

I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.

Cont'd attempts collect debt not owed

A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.

Communication tactics

I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.

Disclosure verification of debt

I have a major issue with a couple items that appear to be duplicate and outdated I have disputed these and I get no where. Please help AES/XXXX XXXX AES/XXXX XXXX

Improper use of your report

On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

Incorrect information on your report

XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL

Improper use of your report

I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.

Charged fees or interest I didn't expect

Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.