determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Problem with a credit reporting company's investigation into an existing problem	There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Account opening, closing, or management	i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.
Cont'd attempts collect debt not owed	Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.
Deposits and withdrawals	I have had LARGE FEES and DOUBLE CHARGES on my accounts for many years.
Incorrect information on credit report	I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.
Written notification about debt	Since XXXX XXXX I have been trying to get validation of debt from XXXX antander Consumer Usa through all credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on XX/XX/2017 XXXX mail me a completed investigation removing t his Auto Debt but t he account was not removed from XXXX and XXXX
Incorrect information on credit report	XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in XXXX XXXX.
Managing the loan or lease	Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.
Improper use of your report	IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.
Written notification about debt	I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
Trouble during payment process	When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.
False statements or representation	The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report
Disclosure verification of debt	Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Cont'd attempts collect debt not owed	The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.
Incorrect information on credit report	Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.
Attempts to collect debt not owed	Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.
Deposits and withdrawals	U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.
Incorrect information on your report	A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report. It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.
Charged fees or interest I didn't expect	XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Unable to get credit report/credit score	I was unable to retrieve my credit report due to questions not pertaining to myself.
Managing the loan or lease	I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.
Settlement process and costs	I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.
Incorrect information on credit report	Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.
Communication tactics	have been calling for months in 2017 each day 2-3 times per day. It is a scam as I do not have any debts. Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.
Problem with a credit reporting company's investigation into an existing problem	Have not investigated the accounts nor removed accounts that I listed as a result of identity theft
Account opening, closing, or management	On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Incorrect information on your report	I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... XXXX
Taking/threatening an illegal action	In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.
Incorrect information on credit report	EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Incorrect information on credit report	the bankruptcy on my credit report for Experian and XXXX is not mine
Struggling to pay mortgage	The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on XXXX / XXXX / 1 7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.
Incorrect information on your report	Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Incorrect information on credit report	Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.
Problem with a credit reporting company's investigation into an existing problem	I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.
Cont'd attempts collect debt not owed	I have a collection which was a moving out balance from XXXX XXXX XXXX XXXX in XXXX XXXX. But after I checked with the apartment, they found some mistake and cleared that balance. I do n't know why I still have this record with National Credit Systems. I called them many times and provided them the proof of the cleared balance but they still did n't get my record cleared!
Loan servicing, payments, escrow account	My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.
Attempts to collect debt not owed	I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is paid?
Cont'd attempts collect debt not owed	I have no knowledge of said debt.
Incorrect information on your report	Fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.
Incorrect information on your report	Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.
Closing your account	BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.
Struggling to repay your loan	I keep getting loophold about loan foregiveness. I have been paying my loan for over 16 years, worked at the correct XXXX, etc. my balance is still too high and I am about done. Navient is shady at best and unethical is collection.
Incorrect information on your report	I received a credit inquiry alert from Experian on XXXX / XXXX / XXXX . The following credit inquiry is fraudulent and unauthorized and do n't belong to me : XXXX , XXXX . XXXX XXXX , XXXX , OH XXXX .
Loan servicing, payments, escrow account	I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal
Closing an account	My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off
Improper use of your report	Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.
Incorrect information on your report	There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account # XXXX
Other	Some one use my credit card without my authorization on XX/XX/2017. The total amount was {$13000.00}. The XXXX fraud department do n't want to show me any documents or proof of this transaction
Credit reporting company's investigation	I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.
Cont'd attempts collect debt not owed	Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.
Unable to get your credit report or credit score	- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXX
Improper contact or sharing of info	These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.
Improper use of your report	I seem to keep having a problem with XXXX with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX (XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Taking out the loan or lease	I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.
Incorrect information on credit report	It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604. The letters are attached below. Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries. Credit Agencies failed to prove 3 requirements and fa iled to remove inquiries from my credit reports
Managing an account	On XXXX / XXXX / 2017 I was charged a {$35.00} insufficient funds fee even though I had {$280.00} in my account and processed a transaction of {$280.00}. The fee caused my account to be overdrawn.
Disclosure verification of debt	CREDIT SCORE XX/XX/2015 -- -- -- -- -- MIDLAND FUNDING LLC # XXXX XXXX , CA XXXX XXXX -- - Remarks XXXX PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/2015
Dealing with my lender or servicer	Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.
Incorrect information on credit report	XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.
Incorrect information on credit report	XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. this Account should be deleted for false reporting and illegal collection tactics
Disclosure verification of debt	This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Credit reporting company's investigation	I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.
Written notification about debt	ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.
Problem when making payments	They did not want to take recurring payments or post dated payment ... They want to charge payment over the phone fees..
Took or threatened to take negative or legal action	I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.
Incorrect information on your report	I have a number of inquiries on my report from when I purchase my vehicle in XX/XX/XXXX I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Cont'd attempts collect debt not owed	I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. Please help
Credit line increase/decrease	I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!
Deposits and withdrawals	The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.
Incorrect information on credit report	I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Communication tactics	I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.
Opening an account	I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.
Improper use of your report	I was affected by the recent Equifax data breach.
Improper use of your report	My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.
Problem when making payments	i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.
Cont'd attempts collect debt not owed	Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!
Improper contact or sharing of info	Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.
Incorrect information on credit report	" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect
Incorrect information on credit report	Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.
Improper use of your report	I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3. XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )
Credit reporting company's investigation	Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. Docket # XXXX Docket # XXXX Docket # XXXX Docket # XXXX
Problems caused by my funds being low	There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.
Communication tactics	COLLECTOR KEPT CALLING MY PHONE NUMBERS IN VIOLATION OF TCPA.
Incorrect information on credit report	This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
Identity theft / Fraud / Embezzlement	XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX
Disclosure verification of debt	Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number
Attempts to collect debt not owed	Account was opened on XX/XX/XXXX in XXXX , alaska the collections address and name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX AK XXXX We moved out on XX/XX/XXXX and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.
Managing, opening, or closing account	i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.
Identity theft / Fraud / Embezzlement	I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report?
Cont'd attempts collect debt not owed	Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.
Improper use of your report	Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.
Attempts to collect debt not owed	i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him
Cont'd attempts collect debt not owed	Convergent outsourcing is acting on behalf of XXXX for a phone bill that I do not owe. XXXX has been going to various collection agencies and putting this on my credit report and it should not be. Every single agency has removed the debt ( XXXX, XXXX, XXXX ). I need this removed from my XXXX report. They already have removed it from my XXXX report but not on my XXXX.
Communication tactics	The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance
Incorrect information on credit report	The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. See attached letter.
Cont'd attempts collect debt not owed	I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
Cont'd attempts collect debt not owed	my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!
Other features, terms, or problems	Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.

Incorrect information on your report

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

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

There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

Account opening, closing, or management

i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.

Cont'd attempts collect debt not owed

Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.

Deposits and withdrawals

I have had LARGE FEES and DOUBLE CHARGES on my accounts for many years.

Incorrect information on credit report

I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.

Written notification about debt

Since XXXX XXXX I have been trying to get validation of debt from XXXX antander Consumer Usa through all credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on XX/XX/2017 XXXX mail me a completed investigation removing t his Auto Debt but t he account was not removed from XXXX and XXXX

Incorrect information on credit report

XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in XXXX XXXX.

Managing the loan or lease

Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.

Improper use of your report

IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Written notification about debt

I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.

Trouble during payment process

When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.

False statements or representation

The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report

Disclosure verification of debt

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Cont'd attempts collect debt not owed

The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.

Incorrect information on credit report

Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.

Attempts to collect debt not owed

Caine & Weiner Company Inc falsely claims that I owe {$390.00} to XXXX XXXX XXXX XXXX on XXXX XXXX. I recently opened up my first credit card with XXXX XXXX Bank on XXXX XXXX so this debt is unquestionably invalid. This debt was owned by my father with the same name as me.

Deposits and withdrawals

U.S. Bank debited my account incorrectly for someone else 's check. It was not caught until I reviewed my bank statement XXXX days later. This is at least the XXXX time this has happened in the last few years.

Incorrect information on your report

A social security number variation is showing on my Experian Report. It is not my social security number nor any that I have ever used. Because it is not mine I am not legally allowed to view the report. It may be ne gative and I do not want it showing on my credit report indicating to creditors that it is an alternative that I have used. I do not have knowledge of this social security number and dispute its use in association to me.

Charged fees or interest I didn't expect

XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.

Unable to get credit report/credit score

I was unable to retrieve my credit report due to questions not pertaining to myself.

Managing the loan or lease

I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.

Settlement process and costs

I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.

Incorrect information on credit report

Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.

Communication tactics

have been calling for months in 2017 each day 2-3 times per day. It is a scam as I do not have any debts. Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.

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

Have not investigated the accounts nor removed accounts that I listed as a result of identity theft

Account opening, closing, or management

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Incorrect information on your report

I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... XXXX

Taking/threatening an illegal action

In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.

Incorrect information on credit report

EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Incorrect information on credit report

the bankruptcy on my credit report for Experian and XXXX is not mine

Struggling to pay mortgage

The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on XXXX / XXXX / 1 7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.

Incorrect information on your report

Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Incorrect information on credit report

Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.

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

I called and have disputed through online process, they verified it under false information provided by collection company. Have had to have it disputed several times. Sometime it does get removed, only to reappear at the end of the year. Same company, same bills different dates.

Cont'd attempts collect debt not owed

I have a collection which was a moving out balance from XXXX XXXX XXXX XXXX in XXXX XXXX. But after I checked with the apartment, they found some mistake and cleared that balance. I do n't know why I still have this record with National Credit Systems. I called them many times and provided them the proof of the cleared balance but they still did n't get my record cleared!

Loan servicing, payments, escrow account

My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.

Attempts to collect debt not owed

I had a medical bill that was turned over to Medical Data Systems for collection. I paid the debt, but they are refusing to notify the credit bureaus of the XXXX balance. They told me they would mail me a XXXX balance letter, and it was my responsibility to notify them. If they zing your credit when they receive the account, should n't they be required to notify the bureaus when the debt is paid?

Cont'd attempts collect debt not owed

I have no knowledge of said debt.

Incorrect information on your report

Fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.

Incorrect information on your report

Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.

Closing your account

BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.

Struggling to repay your loan

I keep getting loophold about loan foregiveness. I have been paying my loan for over 16 years, worked at the correct XXXX, etc. my balance is still too high and I am about done. Navient is shady at best and unethical is collection.

Incorrect information on your report

I received a credit inquiry alert from Experian on XXXX / XXXX / XXXX . The following credit inquiry is fraudulent and unauthorized and do n't belong to me : XXXX , XXXX . XXXX XXXX , XXXX , OH XXXX .

Loan servicing, payments, escrow account

I want midland to provide pay history, settlement statement truth in lending disclosure, title policy and appraisal

Closing an account

My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off

Improper use of your report

Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.

Incorrect information on your report

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account # XXXX

Other

Some one use my credit card without my authorization on XX/XX/2017. The total amount was {$13000.00}. The XXXX fraud department do n't want to show me any documents or proof of this transaction

Credit reporting company's investigation

I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.

Cont'd attempts collect debt not owed

Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.

Unable to get your credit report or credit score

- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXX

Improper contact or sharing of info

These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Improper use of your report

I seem to keep having a problem with XXXX with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf. 1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX (XX/XX/XXXX & XX/XX/XXXX ) These are not mine

Taking out the loan or lease

I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.

Incorrect information on credit report

It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

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

Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604. The letters are attached below. Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries. Credit Agencies failed to prove 3 requirements and fa iled to remove inquiries from my credit reports

Managing an account

On XXXX / XXXX / 2017 I was charged a {$35.00} insufficient funds fee even though I had {$280.00} in my account and processed a transaction of {$280.00}. The fee caused my account to be overdrawn.

Disclosure verification of debt

CREDIT SCORE XX/XX/2015 -- -- -- -- -- MIDLAND FUNDING LLC # XXXX XXXX , CA XXXX XXXX -- - Remarks XXXX PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/2015

Dealing with my lender or servicer

Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.

Incorrect information on credit report

XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.

Incorrect information on credit report

XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. this Account should be deleted for false reporting and illegal collection tactics

Disclosure verification of debt

This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Credit reporting company's investigation

I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.

Written notification about debt

ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.

Problem when making payments

They did not want to take recurring payments or post dated payment ... They want to charge payment over the phone fees..

Took or threatened to take negative or legal action

I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.

Incorrect information on your report

I have a number of inquiries on my report from when I purchase my vehicle in XX/XX/XXXX I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

Cont'd attempts collect debt not owed

I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. Please help

Credit line increase/decrease

I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!

Deposits and withdrawals

The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.

Incorrect information on credit report

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Communication tactics

I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.

Opening an account

I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.

Improper use of your report

I was affected by the recent Equifax data breach.

Improper use of your report

My information was stolen in the Equifax breach, leaving my social security number and other PII available for hackers to sell and use maliciously. I want compensation for the risk that this has brought me.

Problem when making payments

i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.

Cont'd attempts collect debt not owed

Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!

Improper contact or sharing of info

Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.

Incorrect information on credit report

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed. Also notice.d that my date of birth was incorrect

Incorrect information on credit report

Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.

Improper use of your report

I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3. XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )

Credit reporting company's investigation

Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. Docket # XXXX Docket # XXXX Docket # XXXX Docket # XXXX

Problems caused by my funds being low

There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.

Communication tactics

COLLECTOR KEPT CALLING MY PHONE NUMBERS IN VIOLATION OF TCPA.

Incorrect information on credit report

This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Identity theft / Fraud / Embezzlement

XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX

Disclosure verification of debt

Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number

Attempts to collect debt not owed

Account was opened on XX/XX/XXXX in XXXX , alaska the collections address and name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX AK XXXX We moved out on XX/XX/XXXX and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.

Managing, opening, or closing account

i have lost my card and have been trying for days to contact Rush card to cancel the card and have another one sent out. Everytime I call I get hung up on and no response. SOmeone may have found my card and is possibly using it. I can not afford to be late paying my rent and lose the XXXX balance still left on my card. This is crazy. I have sent emails and no one has contacted me back.

Identity theft / Fraud / Embezzlement

I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report?

Cont'd attempts collect debt not owed

Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.

Improper use of your report

Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.

Attempts to collect debt not owed

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him

Cont'd attempts collect debt not owed

Convergent outsourcing is acting on behalf of XXXX for a phone bill that I do not owe. XXXX has been going to various collection agencies and putting this on my credit report and it should not be. Every single agency has removed the debt ( XXXX, XXXX, XXXX ). I need this removed from my XXXX report. They already have removed it from my XXXX report but not on my XXXX.

Communication tactics

The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance

Incorrect information on credit report

The collection account for XXXX XXXX XXXX was paid in full ( see the attached letter XXXX on XXXX/XXXX/2016. XXXX had stated the collection account would be shown as paid on the XXXX/XXXX/2016, however, as of today the credit agency has not timely updated the report. See attached letter.

Cont'd attempts collect debt not owed

I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.

Cont'd attempts collect debt not owed

my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!

Other features, terms, or problems

Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.