determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by XX/XX/XXXX, but no points have yet been deposited.
Incorrect information on credit report	There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!
Getting a credit card	In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.
Incorrect information on your report	XXXX XXXX XXXX has indicated that I owe {$24000.00} since XXXX2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections
Attempts to collect debt not owed	My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.
Struggling to repay your loan	I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of XXXX and a divorce.
Disclosure verification of debt	On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.
Incorrect information on your report	XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND EXPERIAN AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Credit reporting company's investigation	Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days
Incorrect information on your report	I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.
Loan servicing, payments, escrow account	I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.
Account opening, closing, or management	I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.
Unable to get your credit report or credit score	I can not get my credit report from experian
Incorrect information on credit report	There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information
Managing an account	What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me XXXX dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.
Other transaction problem	ALLOW ME TO TRANSFER MONEY THROUGH XXXX
Incorrect information on your report	I have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017
Trouble during payment process	this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....
Problems when you are unable to pay	I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.
Problem with a credit reporting company's investigation into an existing problem	On XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.
Loan modification,collection,foreclosure	Sent a QWR ltr beginning of XX/XX/XXXX with to this date no response. I would like to know the owner of my mortgage and who holds the note. I also have a discrepancy with my interest rate that was suppose to be fixed and it was raised when fay servicing took over. I never received anything stating new ownership! I also was working on and sent a settlement pkg. that fay servicing never responded too.
Unable to get your credit report or credit score	I work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
Credit reporting company's investigation	The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
Loan servicing, payments, escrow account	Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.
Improper contact or sharing of info	dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.
Took or threatened to take negative or legal action	On XXXX 2017 my car broke down and has been tow by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX , KS.XXXX After so many attempted to have estimated send to me and to find out the cost of the repair, without proper notification they hire attorney to put a lien on my vehicle and try to retitle the vehicle without my consent. XXXX XXXX XXXX, XXXX
Problem with a credit reporting company's investigation into an existing problem	Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.
Incorrect information on credit report	XXXX XXXX XXXX collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on Equifax , no date on XXXX and XX/XX/XXXX on XXXX for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Communication tactics	My parents were called yesterday evening. I have not lived there in over twenty years.
Written notification about debt	Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
Problem with a credit reporting company's investigation into an existing problem	I disputed to the credit bureau the reasons why XXXX XXXX XXXX located in XXXX XXXX , MN should not be on my credit bureau. I sent this XXXX XXXX 2016 , It has been a year yet I have not received any feedback but yet this is still on my credit report!
Incorrect information on credit report	Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.
Attempts to collect debt not owed	All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''
Taking/threatening an illegal action	My bank account is frozen and I was never notified of a court datefrom the debt collection company or from the bank and they are refusing to send me any copied of the paperwork from either company
Problem when making payments	Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Disclosure verification of debt	I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
False statements or representation	Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them?
Improper use of your report	I have a credit inquiry on my report that I did not authorize from XXXX XXXX XXXX XXXX dated XX/XX/2017.
Improper contact or sharing of info	Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.
Incorrect information on credit report	XXXX XXXX for XXXX XXXX Hospital, paid medical bills should be removed from a credit report. For addresses I never lived in Ohio. XXXX is showing payment history for before 2014, I did not have a loan with them at that time.
Can't contact lender	I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.
Improper use of your report	My XXXX credit bureau was pulled by Prestige Financial on X/XX/2014. I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Late fee	I sent a check to my credit card company, Wells Fargo, on XXXX XXXX for a bill due on XXXX XXXX. They claim that they did n't receive it until XXXX XXXX and they charged me a late fee of {$15.00} plus interest ( {$5.00} ). I know the mail is sometimes slow but it does n't take over two weeks to get from XXXX to XXXX. I called customer service and they took off the late fee " as a courtesy '' but I still have to pay the interest. This is n't the first time this happened to me.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Managing the loan or lease	I had a five year term car note with Citizens Bank. I paid off the loan early, making my final lump sum payment on XXXX XXXX, 2015. It has now been almost 5 months and Citizens Bank still has not issued me the title to that car. Therefore, I have not been able to register the car or sell it, as I do not have the title. Citizens Bank has been giving me the run around and various excuses as to why they have n't sent me the title.
Written notification about debt	I CHECK MY CREDIT ON XXXX / XXXX / XXXX , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.
Incorrect information on credit report	The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX
Loan modification,collection,foreclosure	I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.
Billing disputes	I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill
Managing the loan or lease	I paid UAC the settlement amount of {$1800.00} back in XX/XX/XXXX, but I never received any correspondence or my release of lien from UAC. I have not received any form of communication from UAC. I want my debt settled and I want to receive my release of lien document so I can get a clean title to my XX/XX/XXXX Mercury Mountaineer.
Incorrect information on credit report	Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.
Problem when making payments	I was shocked when I reviewed my credit report and found a late payment on the following date : XX/XX/2016 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Cont'd attempts collect debt not owed	XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX
Improper use of your report	XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.
Incorrect information on your report	I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
False statements or representation	In XX/XX/XXXX or XX/XX/XXXX I borrowed a signature loan from a local XXXX company. This account has gone into collection. I have been paying on this account through a consumer debt company. To date I have paid {$680.00} which I have statements to prove. My credit report shows open balance of {$1400.00} on my credit reports with XXXX. Under the provisions of the Fair debt reporting act they should be held accountable or delete the incorrect information.
Cont'd attempts collect debt not owed	debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016
Loan servicing, payments, escrow account	I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!
Improper use of my credit report	Equifax is reporting a number of inquiries on my credit file that i did not request or authorize. I filed a complaint with the FTC ( form attached ) and i would like the following Inquiries deleted from my credit file Company Inquiries : XXXX XXXX XXXX XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX ( XXXX inquiries ) XXXX Open Road Lending XXXX
Communication tactics	I am called at least once a day, frequently multiple times a day, by Portfolio Recovery Associates, always from a different number. I do not know what debt they are trying to collect as they will not make any verification.
Improper use of your report	On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.
Incorrect information on your report	For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. Thank you.
Managing the loan or lease	BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this
Incorrect information on credit report	XXXX XXXX reports my loan in default but in fact it is current with XXXX. I have disputed this several times..
Taking/threatening an illegal action	My wages are been garnished for a car o purchased 20 plus years ago i was not notified of the garnishment from either payroll department or from the creditors
Loan servicing, payments, escrow account	I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?
Incorrect information on your report	How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody
Incorrect information on your report	This is not my account.
Problem with a credit reporting company's investigation into an existing problem	Collections account of {$130.00} with XXXX XXXX XXXX was paid in full. Contacted TransUnion to have account removed from my credit report. I was told by the call rep that the account was removed and it has not.
Closing on a mortgage	I paid off mortgage onXX/XX/2017, They had 90 days to return title and deed, I've called Bank of America three times. No can tell me when my will be returned document 's. They have had 120 days and counting.
Attempts to collect debt not owed	I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Problem with a company's investigation into an existing issue	On XXXX/XXXX/XXXX I was charged two times for camping at XXXX XXXX XXXX XXXX XXXX Ct. Provided paper work to Comenity Capital Bank on XXXX/XXXX/XXXX. I have sent numerous emails to Comenity XXXX XXXX on their " customer care '' web-sight. They have not resolved my problems.
Cont'd attempts collect debt not owed	i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for
Communication tactics	Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.
Attempts to collect debt not owed	This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
Communication tactics	Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.
Incorrect information on your report	XXXX incorrectly reported late payments to all XXXX ( XXXX ) major credit bureaus ( XXXX , Experian and XXXX ) although the loans were approved for forbearance. Additionally, I addressed this issue with XXXX on XXXX XXXX 2016 via f acsimile an d US mail to no avail.
Written notification about debt	On XX/XX/XXXX XXXX notes to XXXX that my account was in collections. On XX/XX/XXXX XXXX XXXX XXXX but my account in collection to XXXX. I have both companies listing the same debt I owe on my XXXX credit file. I believe that it should only be listed once. I called XXXX XXXX on XX/XX/XXXX at XXXX and they said when I pay the debt then both companies will remove it from my report.
Incorrect information on credit report	I disputed numerous inquires through Equifax to get them deleted because I did not authorize them and I was basically told that I had to contact the creditors that pulled my report even thou Equifax could not supply documentation bearing my signature.
Incorrect information on your report	i had a Bill with XXXX XXXX cable that i paid in full. they sent the account to collection by fault of their own. the company that now has the debt will not update my credit report and the account does show paid in full, but they wo n't remove the collection after stating they would. i have tried multiple times to ask them for a letter of the debt being paid in full but they never return calls or answer their phone.
Incorrect information on credit report	This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX
Can't contact lender	I have been approached by Concord Resolution ( & XXXX ; XXXXXXXXXXXX & gt ; : advising me that I had a payday loan from XXXX 2013. I asked for a signed document indicating my agreement. " XXXX XXXX '' sent me a collection letter from his organization from another collection agency by the name of XXXX XXXX XXXX. I have taken out payday loans but I can assuredly state I did n't get XXXX at that time.
Threatened to contact someone or share information improperly	I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.
Incorrect information on credit report	Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.
Improper use of your report	On the evening of XXXX I received a text from XXXX XXXX advising a hard credit inquiry had been made on my XXXX report by XXXX XXXX, ID XXXX with contact of XXXX. They further inquired if I had in fact had applied for credit with XXXX on XXXX. I have NOT made any credit application on the date of XXXX with XXXX
Incorrect information on your report	EXPERIAN IS STILL VIOLATION OF MY RIGHTS HIPPA, CRA
Dealing with my lender or servicer	Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.
Communication tactics	they have been calling three to five times a day. calling my family members. coming to my home after hours. dropping off information about loan to my home.
Cont'd attempts collect debt not owed	I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.
Can't repay my loan	I have been harassed by Navient every two hours from XXXX to XXXX for over six months. I have spoken with them trying to work them on my monthly payments and they are not willing to work with me. I have been unemployed for over six months and Navient will not supply reasonable payments ( no Deferment and Forbearance available to me ). They have proof of my income and still not able provide affordable payments and to live. Please help!
Incorrect information on credit report	My name is XXXX XXXX. There is a person I am not AWARE of on my account, XXXX XXXX.
Communication tactics	I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right back.
Charged bank acct wrong day or amt	The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.
Can't stop charges to bank account	I have set up certain days to have my payments pulled from my account and this company has pulled 6 times in the last 5 days and has cost me XXXX dollars in bank fees.
Cont'd attempts collect debt not owed	Since the beginning of XXXX 2015, Global Credit & Collection Corp has been leaving voice mail messages on my answer machine that they are a debt collector and I need to call them at XXXX. They have called at least XXXX times. I do not have any debt so this is either a scam or a call to a wrong number.
Problem with a credit reporting company's investigation into an existing problem	Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
Improper use of your report	I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.
Disclosure verification of debt	On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.
Other service problem	Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX
Incorrect information on credit report	They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.

Account opening, closing, or management

I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by XX/XX/XXXX, but no points have yet been deposited.

Incorrect information on credit report

There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!

Getting a credit card

In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.

Incorrect information on your report

XXXX XXXX XXXX has indicated that I owe {$24000.00} since XXXX2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections

Attempts to collect debt not owed

My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.

Struggling to repay your loan

I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of XXXX and a divorce.

Disclosure verification of debt

On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.

Incorrect information on your report

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND EXPERIAN AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

Credit reporting company's investigation

Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days

Incorrect information on your report

I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.

Loan servicing, payments, escrow account

I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.

Account opening, closing, or management

I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.

Unable to get your credit report or credit score

I can not get my credit report from experian

Incorrect information on credit report

There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information

Managing an account

What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me XXXX dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.