determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.
Improper use of your report	I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. I do not have an account with this company. I did not apply for anything with this company.
Attempts to collect debt not owed	Debt is not mine. Continued attempt to collect debt that is not mine.
Dealing with my lender or servicer	Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
Improper use of your report	Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical information.
Disclosure verification of debt	Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Loan servicing, payments, escrow account	Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.
Trouble during payment process	We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!
Incorrect information on your report	Talked to them and disputed with credit beareu several times.
Incorrect information on your report	I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX
Improper use of your report	I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
False statements or representation	the company shows it as not paid. it has been paid.
Incorrect information on credit report	XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.
Incorrect information on credit report	TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.
Trouble using the card	Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.
Credit determination	I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.
Disclosure verification of debt	Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
False statements or representation	I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.
Credit monitoring or identity protection	Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you
Incorrect information on your report	I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state and county I live in.
Can't repay my loan	I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.
Shopping for a loan or lease	there is a hard inquire on my credit report that i didnt consent to
Loan modification,collection,foreclosure	the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years
False statements or representation	Prime Acceptance & XXXX XXXX XXXX are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law XXXX companies can not collect on the same debt at the same time. They are both in violation,
Problems when you are unable to pay	Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.
Managing an account	Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.
Incorrect information on your report	This is about hard inquiries on my credit report. I do n't recognize any of them.
Incorrect information on your report	H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.
Dealing with my lender or servicer	We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.
Incorrect information on credit report	Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before
Loan servicing, payments, escrow account	After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.
Attempts to collect debt not owed	I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.
Problem with a credit reporting company's investigation into an existing problem	On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.
Incorrect information on credit report	I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.
Deposits and withdrawals	There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.
Struggling to repay your loan	I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.
Improper use of your report	ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).
Closing your account	In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.
Attempts to collect debt not owed	I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.
Incorrect information on your report	Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.
Incorrect information on credit report	Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.
Struggling to pay mortgage	my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.
Credit reporting company's investigation	My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Loan servicing, payments, escrow account	XXXX/loan care refuses to issue a payoff on a loan account
Can't repay my loan	I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.
Loan modification,collection,foreclosure	An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
Problem with a credit reporting company's investigation into an existing problem	XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.
Managing an account	X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.
Cont'd attempts collect debt not owed	i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.
Incorrect information on credit report	I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.
Loan servicing, payments, escrow account	I submitted a detailed complaint in XXXX ; I have not heard one word!!!!!! This involves WELLS FARGO ... .and I find it ironic that they are now under Federal investigation.
Loan modification,collection,foreclosure	Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for XXXX cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again.
Incorrect information on credit report	some is using an address that i have never lived at.
False statements or representation	The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.
Improper use of your report	Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
Attempts to collect debt not owed	CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED FRAUD.
Communication tactics	XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.
Disclosure verification of debt	Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.
Can't repay my loan	XXXX has n't failed to accept application for repayments during hardship
Loan servicing, payments, escrow account	Bank of America is denying my loan modification after XXXX years.
Communication tactics	Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.
Deposits and withdrawals	While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.
Incorrect information on your report	In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.
Billing disputes	CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single XXXX.
Bankruptcy	BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16
Cont'd attempts collect debt not owed	Received demand letter from law firm stating I owe them XXXX
Incorrect information on credit report	I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.
Attempts to collect debt not owed	I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not me.
Identity theft / Fraud / Embezzlement	My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}
Incorrect information on your report	An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.
Loan servicing, payments, escrow account	My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.
Attempts to collect debt not owed	I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.
Disclosure verification of debt	I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Deposits and withdrawals	Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.
Disclosure verification of debt	I was not notified in writing of the debt.
Credit reporting company's investigation	This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. Thank you,
Disclosure verification of debt	Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.
Disclosure verification of debt	This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.
Disclosure verification of debt	I have repeatedly requested that Cavalry Portfolio Service to 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.
Cont'd attempts collect debt not owed	I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.
Attempts to collect debt not owed	This company is trying to collect a debt from me. I have never signed a contract with them.
Communication tactics	I get calls ev eryday 6 or more tim es a day they start at XXXX until XXXX
Problems when you are unable to pay	In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.
Improper use of your report	This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.
Took or threatened to take negative or legal action	My mother XXXX and has an outstanding home equity loan. We have been making attempts to pay towards it. The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? If they could just work with us, and stop the threats.
Managing the loan or lease	XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend
Loan modification,collection,foreclosure	I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Incorrect information on your report	Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well
Struggling to pay mortgage	I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to XXXX in XXXX XXXX . I spoke with the account specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.
Can't repay my loan	I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.
Incorrect information on your report	Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Money was not available when promised	I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.
Cont'd attempts collect debt not owed	hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.
Customer service / Customer relations	I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. Bank America is the bank. Its a credit card.
Taking/threatening an illegal action	This is back from 2009 over seven years old. please remove.
Incorrect information on credit report	There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.
Cont'd attempts collect debt not owed	ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.
Cont'd attempts collect debt not owed	i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!
Incorrect information on credit report	Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.

Incorrect information on credit report

XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.

Improper use of your report

I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. I do not have an account with this company. I did not apply for anything with this company.

Attempts to collect debt not owed

Debt is not mine. Continued attempt to collect debt that is not mine.

Dealing with my lender or servicer

Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.

Improper use of your report

Last week, I was informed by Equifax that they were hacked and my personal information was stolen. I expect more from an agency that houses important, critical information.

Disclosure verification of debt

Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.

Loan servicing, payments, escrow account

Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.

Trouble during payment process

We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!

Incorrect information on your report

Talked to them and disputed with credit beareu several times.

Incorrect information on your report

I noticed on Equifax they have my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX

Improper use of your report

I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

False statements or representation

the company shows it as not paid. it has been paid.

Incorrect information on credit report

XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.

Incorrect information on credit report

TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.

Trouble using the card

Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.

Credit determination

I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.

Disclosure verification of debt

Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

False statements or representation

I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.

Credit monitoring or identity protection

Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you

Incorrect information on your report

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state and county I live in.

Can't repay my loan

I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.

Shopping for a loan or lease

there is a hard inquire on my credit report that i didnt consent to

Loan modification,collection,foreclosure

the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years

False statements or representation

Prime Acceptance & XXXX XXXX XXXX are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law XXXX companies can not collect on the same debt at the same time. They are both in violation,

Problems when you are unable to pay

Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.

Managing an account

Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.

Incorrect information on your report

This is about hard inquiries on my credit report. I do n't recognize any of them.

Incorrect information on your report

H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.

Dealing with my lender or servicer

We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.

Incorrect information on credit report

Someone opened up an account in my name that I never did I 'm only XXXX and never had an account before

Loan servicing, payments, escrow account

After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.

Attempts to collect debt not owed

I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.

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

On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.

Incorrect information on credit report

I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.

Deposits and withdrawals

There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.

Struggling to repay your loan

I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.

Improper use of your report

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).

Closing your account

In reference to credit card account ending in XXXX please be advised that I did contact the executive office several times in XXXX and XXXX 2017 by leaving voicemail messages in reference to this account and received no return phone call to date. I attempted to reach Chase before this account was closed in the middle to late XXXX 2017.

Attempts to collect debt not owed

I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.

Incorrect information on your report

Have been trying to get invalid reporting public record removed for over 6 months now ; was made aware of new public record law in which all three credit reporting agencies would be required to automatically remove all public records that were reporting and that has not happen for me. This was scheduled to take place on XXXX XXXX, 2017. State Tax Lien is still reporting incorrectly on today.

Incorrect information on credit report

Creditor is unlawfully reporting an account which is not legit not accurate on my credit report and refuses to cooperate with my request to remove it.

Struggling to pay mortgage

my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.

Credit reporting company's investigation

My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

Loan servicing, payments, escrow account

XXXX/loan care refuses to issue a payoff on a loan account

Can't repay my loan

I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.

Loan modification,collection,foreclosure

An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.

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

XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.

Managing an account

X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.

Cont'd attempts collect debt not owed

i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.

Incorrect information on credit report

I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.

Loan servicing, payments, escrow account

I submitted a detailed complaint in XXXX ; I have not heard one word!!!!!! This involves WELLS FARGO ... .and I find it ironic that they are now under Federal investigation.

Loan modification,collection,foreclosure

Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for XXXX cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again.

Incorrect information on credit report

some is using an address that i have never lived at.

False statements or representation

The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Improper use of your report

Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

Attempts to collect debt not owed

CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED FRAUD.

Communication tactics

XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.

Disclosure verification of debt

Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.

Can't repay my loan

XXXX has n't failed to accept application for repayments during hardship

Loan servicing, payments, escrow account

Bank of America is denying my loan modification after XXXX years.

Communication tactics

Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.

Deposits and withdrawals

While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.

Incorrect information on your report

In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.

Billing disputes

CitiCards ( MasterCard ) has failed to respond to -- or even to acknowledge -- my XXXX XXXX, 2016 letter, concerning my being charged {$300.00} TWICE for a single XXXX.

Bankruptcy

BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16

Cont'd attempts collect debt not owed

Received demand letter from law firm stating I owe them XXXX

Incorrect information on credit report

I have filed three requests with Trans Union requesting that they remove incorrect information from my credit profile. They refuse to do so.

Attempts to collect debt not owed

I have been getting a call the past year or so from an agency called Pro Collect about a debt for another person who is not me.

Identity theft / Fraud / Embezzlement

My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}

Incorrect information on your report

An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.

Loan servicing, payments, escrow account

My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.

Attempts to collect debt not owed

I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.

Disclosure verification of debt

I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.

Incorrect information on your report

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

Deposits and withdrawals

Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.

Disclosure verification of debt

I was not notified in writing of the debt.

Credit reporting company's investigation

This complaint is because Experian has ignored my request to provided me with the documents that their company has on file that was used to verified the accounts I disputed. They have gone past the 30 days and ca n't verify these accounts.Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I have disputed. I need this issue resolved as soon as possible. Thank you,

Disclosure verification of debt

Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.

Disclosure verification of debt

This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.

Disclosure verification of debt

I have repeatedly requested that Cavalry Portfolio Service to 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.

Cont'd attempts collect debt not owed

I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.

Attempts to collect debt not owed

This company is trying to collect a debt from me. I have never signed a contract with them.

Communication tactics

I get calls ev eryday 6 or more tim es a day they start at XXXX until XXXX

Problems when you are unable to pay

In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.

Improper use of your report

This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.

Took or threatened to take negative or legal action

My mother XXXX and has an outstanding home equity loan. We have been making attempts to pay towards it. The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? If they could just work with us, and stop the threats.

Managing the loan or lease

XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend

Loan modification,collection,foreclosure

I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

Incorrect information on your report

Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well

Struggling to pay mortgage

I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to XXXX in XXXX XXXX . I spoke with the account specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.

Can't repay my loan

I received an XXXX XXXX from XXXX XXXX University in XXXX NY in 2012. I was XXXX off from my job and wanted to go back to school. What I could not get Federal loans for XXXX XXXX said they would get me XXXX loans for. I am now in debt for around {$50000.00} and am having trouble making all the payments.

Incorrect information on your report

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

Money was not available when promised

I wired {$10000.00} to Coinbase on XXXX/XXXX/XXXX. I have been told to have patience that the money will be in my account. Then on XXXX XXXX XXXX they emailed me to tell me they found my money but that I needed to verify my identity. I verified my identity no less then 10 times and every time I call to get resolution I am either hung up on or told to have patience that they will get to it soon.

Cont'd attempts collect debt not owed

hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.

Customer service / Customer relations

I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. Bank America is the bank. Its a credit card.

Taking/threatening an illegal action

This is back from 2009 over seven years old. please remove.

Incorrect information on credit report

There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.

Cont'd attempts collect debt not owed

ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.

Cont'd attempts collect debt not owed

i order online course for XXXX class, but this was not what i was looking for, so i send all of there stuff that they had send me, after i had paid them a {$10.00} dollar fee, to start, so i do n't know why they are trying to charge almost {$600.00} dollars now, please help!

Incorrect information on credit report

Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.