determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving
Communication tactics	This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.
Incorrect information on credit report	There is some information that does n't belong to me. I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.
Rewards	After accumulating points for 7 years at capital one when I went to redeem them they told me I had forfeited my points because they had ended the program and I had not redeemed them in time.
Account opening, closing, or management	I opened a checking account online at Wells Fargo. I stopped by this morning to sign the paper work and make a small deposit. The banker I spoke with asked me to sign up for overdraft protection which I declined because it has to be linked to a savings account. It appears he went ahead and opened the account either way without my consent. I only realized it when I signed up to my online account
Incorrect information on credit report	I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
Improper contact or sharing of info	TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.
Managing the loan or lease	Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.
Incorrect information on credit report	Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.
Loan servicing, payments, escrow account	Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.
Problem with a credit reporting company's investigation into an existing problem	I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX but they advised that i have to complete it with santander
Improper use of your report	Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.
Closing your account	I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.
Credit reporting company's investigation	Experian has fail to delete wrong information on my report even though on the report results saids that all wrong information has been deleted.
Unable to get credit report/credit score	XXXX error from trans union no report recieved
Loan modification,collection,foreclosure	The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.
Struggling to pay mortgage	We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.
Incorrect information on credit report	There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.
Incorrect information on your report	This is incorrect information, it belongs to someone else. XXXX XXXX XXXX, Opened XXXX XXXX 2016
Loan servicing, payments, escrow account	I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.
Loan servicing, payments, escrow account	Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?
Problem with a credit reporting company's investigation into an existing problem	Despite numerous attempts, TransUnion has NOT removed unauthorized inquiries into my credit report. It does NOT matter who can see these inquiries or not. These inquiries were UNAUHTORIZED. As TransUnion nor the inquiring company did NOT provide proof of my authorization, these unauthorized inquiries must be removed.
Dealing with my lender or servicer	My loan was in deferment and they still reported as late pay.
Incorrect information on credit report	On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX
Incorrect information on credit report	This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
Taking/threatening an illegal action	This Person called my family, and people who are not related to me. Told them I wrote bad checks. Told people who are not related to me that they stole my identity and were being investigated. Told me if I did n't pay I would be sued and arrested. He was very disrespected.
Improper use of your report	On XXXX XXXX, XXXX Capital One Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Cont'd attempts collect debt not owed	I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.
Improper use of your report	XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.
Incorrect information on your report	there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you
Dealing with my lender or servicer	Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.
Account opening, closing, or management	I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.
Dealing with your lender or servicer	I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
Cont'd attempts collect debt not owed	This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.
Improper use of your report	I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.
Dealing with my lender or servicer	I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.
Communication tactics	Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX
Managing the loan or lease	Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.
Took or threatened to take negative or legal action	On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
APR or interest rate	I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.
Closing your account	Closed a store card with XXXX , XXXX XXXX , and paid the account in full. Bank charged a late fee despite account being closed and having a XXXX balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a XXXX balance.
Disclosure verification of debt	Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character
Incorrect information on credit report	Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX
Getting a credit card	Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.
Problem with a credit reporting company's investigation into an existing problem	My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Incorrect information on credit report	I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.
Threatened to contact someone or share information improperly	XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.
Other	HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?
Credit reporting company's investigation	I sent XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Incorrect information on your report	I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Credit reporting company's investigation	Equifax refuses to remove an account I disputed but notes the account as as a dispute with no removal. The account is not mine and Equifax is no help.
Loan servicing, payments, escrow account	I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing
Improper use of your report	Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.
Managing the loan or lease	Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF
Cont'd attempts collect debt not owed	Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.
Unexpected or other fees	XX/XX/2017 an unknown hard inquiry showed on my report. the campany is XXXX but i could not find it on the system thanks!
Incorrect information on your report	I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.
Incorrect information on your report	I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX 5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX
Communication tactics	Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!
Incorrect information on credit report	I have XXXX hard hits on my credit report that I 'm not making
Taking/threatening an illegal action	Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me
Improper contact or sharing of info	Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
Communication tactics	I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k
Other	i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX
Incorrect information on credit report	I wrote the 3 credit bureaus and notified them the judgement had been satisfied and attached documentation as proof. The only one to not remove it was Experian. Now I am delayed on a mortgage and rates are going up!!
Improper use of my credit report	XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.
Cont'd attempts collect debt not owed	This company calls our business daily. When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here. I have asked them repeatedly to take our number off of their call list. XXXX They have called XX/XX/2015 XXXX XX/XX/2015 XXXX XXXX XXXX XX/XX/2015 XXXX XX/XX/2015 XXXXM
Attempts to collect debt not owed	This creditor is asking for a debt in the amount of {$390.00}. This is not my debt, asking for this debt to be remove from all XXXX major credit bureaus
Account opening, closing, or management	I have received several emails over the past few years regarding an " account '' with Wells Fargo, that I know nothing about. They seem to to be coming from different senders within the bank. I was able to retrieve one of the emails sent recently ( see attached ). The email was sent to : XXXX.
Credit reporting company's investigation	Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.
Other	I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.
Communication tactics	Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.
Improper use of your report	I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Unexpected or other fees	Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Taking/threatening an illegal action	They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.
Problem with a credit reporting company's investigation into an existing problem	loan is showing late payment ... .payment was never late
Incorrect information on your report	You have reported wrong status in my report I have never paid late these accounts : " XXXX - XXXX " " XXXX XXXX Account # XXXX '' " XXXX XXXX XXXX Account # XXXX '' " XXXX XXXX XXXX Account # XXXX ''
Attempts to collect debt not owed	XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.
Problems at the end of the loan or lease	paid off two car loans XXXX/XXXX/XXXX. Have not received titles
Taking/threatening an illegal action	On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.
Improper use of your report	Multiple unauthorized inquiries from XXXX XXXX XXXX , XXXX , XXXX , and XXXX XXXX XXXX XXXX XXXX , 2016 to XXXX XXXX , 2016 listed on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.
Attempts to collect debt not owed	Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX
Communication tactics	Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.
Loan servicing, payments, escrow account	I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.
Advertising	Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested. The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds. I have been advised th at XXXX sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.
Unauthorized transactions/trans. issues	I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.
Loan servicing, payments, escrow account	I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.
Communication tactics	I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.
Managing the loan or lease	I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.
Incorrect information on credit report	A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.
Identity theft protection or other monitoring services	My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.
Other	I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.
Managing the loan or lease	Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.
False statements or representation	Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails
Communication tactics	I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.
Incorrect information on your report	VIOLATES HIPPA AND CRA
Deposits and withdrawals	Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.

Incorrect information on your report

this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

Communication tactics

This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.

Incorrect information on credit report

There is some information that does n't belong to me. I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.

Rewards

After accumulating points for 7 years at capital one when I went to redeem them they told me I had forfeited my points because they had ended the program and I had not redeemed them in time.

Account opening, closing, or management

I opened a checking account online at Wells Fargo. I stopped by this morning to sign the paper work and make a small deposit. The banker I spoke with asked me to sign up for overdraft protection which I declined because it has to be linked to a savings account. It appears he went ahead and opened the account either way without my consent. I only realized it when I signed up to my online account

Incorrect information on credit report

I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.

Improper contact or sharing of info

TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.

Managing the loan or lease

Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.

Incorrect information on credit report

Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.

Loan servicing, payments, escrow account

Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.

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

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Incorrect information on your report

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

Incorrect information on your report

This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX but they advised that i have to complete it with santander

Improper use of your report

Alright so back on XX/XX/2017, i made a car purchased and the dealer sent out inquiries to alot of lenders, i need help getting this disputed from my credit report, if you guys can help me that would be awesome. Please and thank you.

Closing your account

I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.

Credit reporting company's investigation

Experian has fail to delete wrong information on my report even though on the report results saids that all wrong information has been deleted.

Unable to get credit report/credit score

XXXX error from trans union no report recieved

Loan modification,collection,foreclosure

The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.

Struggling to pay mortgage

We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.

Incorrect information on credit report

There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.

Incorrect information on your report

This is incorrect information, it belongs to someone else. XXXX XXXX XXXX, Opened XXXX XXXX 2016

Loan servicing, payments, escrow account

I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.

Loan servicing, payments, escrow account

Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?

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

Despite numerous attempts, TransUnion has NOT removed unauthorized inquiries into my credit report. It does NOT matter who can see these inquiries or not. These inquiries were UNAUHTORIZED. As TransUnion nor the inquiring company did NOT provide proof of my authorization, these unauthorized inquiries must be removed.

Dealing with my lender or servicer

My loan was in deferment and they still reported as late pay.

Incorrect information on credit report

On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX

Incorrect information on credit report

This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

Taking/threatening an illegal action

This Person called my family, and people who are not related to me. Told them I wrote bad checks. Told people who are not related to me that they stole my identity and were being investigated. Told me if I did n't pay I would be sued and arrested. He was very disrespected.

Improper use of your report

On XXXX XXXX, XXXX Capital One Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

Cont'd attempts collect debt not owed

I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.

Improper use of your report

XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.

Incorrect information on your report

there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

Dealing with my lender or servicer

Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.

Account opening, closing, or management

I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.

Dealing with your lender or servicer

I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.

Cont'd attempts collect debt not owed

This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.

Improper use of your report

I faxed Equifax on XX/XX/XXXX17 and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.

Dealing with my lender or servicer

I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.

Communication tactics

Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX

Managing the loan or lease

Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.

Took or threatened to take negative or legal action

On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

APR or interest rate

I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.

Closing your account

Closed a store card with XXXX , XXXX XXXX , and paid the account in full. Bank charged a late fee despite account being closed and having a XXXX balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a XXXX balance.

Disclosure verification of debt

Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character

Incorrect information on credit report

Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX

Getting a credit card

Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.

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

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.

Incorrect information on credit report

I am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.

Threatened to contact someone or share information improperly

XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.

Other

HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?

Credit reporting company's investigation

I sent XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Incorrect information on your report

I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX

Credit reporting company's investigation

Equifax refuses to remove an account I disputed but notes the account as as a dispute with no removal. The account is not mine and Equifax is no help.

Loan servicing, payments, escrow account

I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing

Improper use of your report

Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.

Managing the loan or lease

Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF

Cont'd attempts collect debt not owed

Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.

Unexpected or other fees

XX/XX/2017 an unknown hard inquiry showed on my report. the campany is XXXX but i could not find it on the system thanks!

Incorrect information on your report

I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

Incorrect information on your report

I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX 5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX

Communication tactics

Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!

Incorrect information on credit report

I have XXXX hard hits on my credit report that I 'm not making

Taking/threatening an illegal action

Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me

Improper contact or sharing of info

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.

Communication tactics

I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k

Other

i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX

Incorrect information on credit report

I wrote the 3 credit bureaus and notified them the judgement had been satisfied and attached documentation as proof. The only one to not remove it was Experian. Now I am delayed on a mortgage and rates are going up!!

Improper use of my credit report

XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.

Cont'd attempts collect debt not owed

This company calls our business daily. When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here. I have asked them repeatedly to take our number off of their call list. XXXX They have called XX/XX/2015 XXXX XX/XX/2015 XXXX XXXX XXXX XX/XX/2015 XXXX XX/XX/2015 XXXXM

Attempts to collect debt not owed

This creditor is asking for a debt in the amount of {$390.00}. This is not my debt, asking for this debt to be remove from all XXXX major credit bureaus

Account opening, closing, or management

I have received several emails over the past few years regarding an " account '' with Wells Fargo, that I know nothing about. They seem to to be coming from different senders within the bank. I was able to retrieve one of the emails sent recently ( see attached ). The email was sent to : XXXX.

Credit reporting company's investigation

Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.

Other

I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.

Communication tactics

Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.

Improper use of your report

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Unexpected or other fees

Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.

Incorrect information on your report

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

Taking/threatening an illegal action

They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.

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

loan is showing late payment ... .payment was never late

Incorrect information on your report

You have reported wrong status in my report I have never paid late these accounts : " XXXX - XXXX " " XXXX XXXX Account # XXXX '' " XXXX XXXX XXXX Account # XXXX '' " XXXX XXXX XXXX Account # XXXX ''

Attempts to collect debt not owed

XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.

Problems at the end of the loan or lease

paid off two car loans XXXX/XXXX/XXXX. Have not received titles

Taking/threatening an illegal action

On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.

Improper use of your report

Multiple unauthorized inquiries from XXXX XXXX XXXX , XXXX , XXXX , and XXXX XXXX XXXX XXXX XXXX , 2016 to XXXX XXXX , 2016 listed on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.

Attempts to collect debt not owed

Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX

Communication tactics

Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.

Loan servicing, payments, escrow account

I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.

Advertising

Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested. The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds. I have been advised th at XXXX sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.

Unauthorized transactions/trans. issues

I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.

Loan servicing, payments, escrow account

I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.

Communication tactics

I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.

Managing the loan or lease

I have XXXX late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Incorrect information on credit report

A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.

Identity theft protection or other monitoring services

My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.

Other

I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.

Managing the loan or lease

Wells Fargo has refused to remove the balance off the credit reporting system. We settled and they say that they will not remove at this time because I am represented.

False statements or representation

Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails

Communication tactics

I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.

Incorrect information on your report

VIOLATES HIPPA AND CRA

Deposits and withdrawals

Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.