determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??
Disclosure verification of debt	This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.
Incorrect information on credit report	This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.
Incorrect information on credit report	Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.
Account opening, closing, or management	HSBC randomly decide to close account with no notice and no reasons
Account opening, closing, or management	Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. Please see the attached. Sincerely Yours, XXXX XXXX XXXX
Communication tactics	There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.
Unable to get your credit report or credit score	I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!! It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report
Cont'd attempts collect debt not owed	I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.
Incorrect information on your report	error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent XXXX
Credit line increase/decrease	My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month
Incorrect information on your report	cra violation inaccurate information please remove asap
Incorrect information on credit report	The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.
Improper use of your report	Letters regarding inquiries found on my credit were submitted TransUnion on XXXX , and XXXX on XXXX . Transunion refused to remove any of the inquiries and an second letter was send XXXX . I never received a response from XXXX nor an update.
Improper use of your report	A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Disclosure verification of debt	I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.
Cont'd attempts collect debt not owed	Debt was granted a discharge under section XXXX ( a ) of title XXXX back in 2000.
Incorrect information on credit report	Good day! I have a public record on my credit report from 2008 concerning XXXX XXXX XXXX that I believe should be deleted based the statue of limitations. I have paid the debt and it should not still be on file since it is now 7 years. Please assist me inn this issue, if at all possible. Thank you ...
Billing disputes	I was shocked when I reviewed my credit report and found late payment on my account. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Application, originator, mortgage broker	My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX
Credit reporting company's investigation	Please see attached.
Loan servicing, payments, escrow account	I provided my home loan servicer documented proof that I paid the property taxes for XX/XX/XXXX, but they still will not add the credit to my account. Caliber also allowed my balance to be paid off in 60 months and now they are requesting all monies paid off by XX/XX/XXXX
Attempts to collect debt not owed	When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed on my credit report.
Unable to get your credit report or credit score	I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.
Managing an account	XXXX / XXXX / 17 Hi, my name is XXXX XXXX . My Capital one 360 checking account has failed to send XXXX ( App ) my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.
Can't repay my loan	Interest and payments are too high.
Improper contact or sharing of info	XXXX has been my carrier for over 7 years this is not my account and seems XXXX has falsely account in my name.
Credit line increase/decrease	I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.
Incorrect information on your report	The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.
Can't repay my loan	Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.
Attempts to collect debt not owed	Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida
Communication tactics	These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.
Deposits and withdrawals	I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.
Managing the loan or lease	- Vehicle lease opened XXXX. Never paid late! - No fault accident XXXX/XXXX/2016 caused a total loss and i contacted Lexus Financial. I was advised that Gap Insurance & Wear & Tear Refund would kick in if insurance did not cover payoff in full. - XXXX/X
Cont'd attempts collect debt not owed	I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
Closing an account	I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help me.
Problem with a credit reporting company's investigation into an existing problem	I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Attempts to collect debt not owed	XX/XX/XXXX i was never in a hospital since XXXX and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.
Unable to get your credit report or credit score	I 'm trying to apply for a mortgage loan but XXXX score is missing in my tradeline. I called the company and I was told it would take a month to update.
Cont'd attempts collect debt not owed	Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.
Unable to get your credit report or credit score	I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Other fee	when u call hsbc its very difficult to get thru. then when you do its very hard to understand the person who picks up the phone
Attempts to collect debt not owed	It 's been well over a year now, and I 'm still battling with Merchants & Professional remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.
Can't repay my loan	I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.
Incorrect information on your report	According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Attempts to collect debt not owed	Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Disclosure verification of debt	I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.
Communication tactics	They had been called at any time and any days including weekends. This bills should have been paid by my insurance.
Incorrect information on credit report	Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 2. Delete the verbiage that says " Consumer disputes this account information ''
Improper use of your report	I have a credit inquiry on my credit report that I did not authorize from SANTANDER CONSUMER USA dated XX/XX/2017.
Problem with a lender or other company charging your account	{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.
Incorrect information on credit report	The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my name.
Communication tactics	Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months
Forbearance / Workout plans	us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT
Payoff process	I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL
Problem with fraud alerts or security freezes	I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XXXX I notified the agencies to place a fraud notice on my file. This happened again in XXXX .
Attempts to collect debt not owed	Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.
Confusing or misleading advertising or marketing	Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$1300.00} High Balance {$1300.00}
Account opening, closing, or management	have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.
Improper use of your report	On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.
False statements or representation	These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.
Managing an account	This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.
Attempts to collect debt not owed	I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Cont'd attempts collect debt not owed	Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.
Incorrect information on your report	EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Attempts to collect debt not owed	I have had XXXX insurance since XXXX. I should n't owe anyone anything
Improper use of your report	I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.
Improper contact or sharing of info	A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.
Written notification about debt	This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.
Improper use of my credit report	I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go.
Incorrect information on credit report	My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.
Credit reporting company's investigation	Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same.
Managing the loan or lease	I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.
Account opening, closing, or management	Sign up for a Citigold account for sign up bonus of XXXX XXXX XXXX XXXX miles if XXXX ( XXXX ) bill payments were completed. The account was opened XXXX/XXXX/15. Used bill payment on XXXX several times and in XXXX Several times. It was confirmed by a representative that all requirements for the promotions were met. They asked for the frequent flyer number so the miles could be awarded. I never received the miles. the account was closed as well ...
Problem with a credit reporting company's investigation into an existing problem	I am attaching a copy of the letter I mailed to XXXX, Experian, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Credit reporting company's investigation	The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''
Customer service / Customer relations	I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.
Cont'd attempts collect debt not owed	I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA
False statements or representation	The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.
Closing/Cancelling account	I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.
Cont'd attempts collect debt not owed	The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
Incorrect information on credit report	i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.
Problem with a credit reporting company's investigation into an existing problem	CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.
Charged fees or interest I didn't expect	I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me
Loan servicing, payments, escrow account	I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!
Disclosure verification of debt	Company did not provide verification and detailed billing statement.
Closing/Cancelling account	My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.
Incorrect information on credit report	Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.
Attempts to collect debt not owed	PDM continues to harass us over a bill we paid on time over two years ago! They have gone as far as to call our relatives trying to collect. We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? XXXX OF THE XXXX EARTH!!!
Improper contact or sharing of info	I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. Because of this, I can not get further information.
Unable to get your credit report or credit score	I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.
Billing disputes	I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated.
Improper contact or sharing of info	keeps calling my job and harassing me at work on a debt that is over 15 years old

Cont'd attempts collect debt not owed

SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??

Disclosure verification of debt

This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.

Incorrect information on credit report

This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.

Incorrect information on credit report

Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.

Account opening, closing, or management

HSBC randomly decide to close account with no notice and no reasons

Account opening, closing, or management

Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. Please see the attached. Sincerely Yours, XXXX XXXX XXXX

Communication tactics

There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.

Unable to get your credit report or credit score

I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!! It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report

Cont'd attempts collect debt not owed

I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.

Incorrect information on your report

error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent XXXX

Credit line increase/decrease

My credit card payments remains same as I make payments every month for more than 17 months and I do not use the card I pay above minimum monthly payments since the day I received this card they keep on charging me fees every month even though I pay every month

Incorrect information on your report

cra violation inaccurate information please remove asap

Incorrect information on credit report

The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.

Improper use of your report

Letters regarding inquiries found on my credit were submitted TransUnion on XXXX , and XXXX on XXXX . Transunion refused to remove any of the inquiries and an second letter was send XXXX . I never received a response from XXXX nor an update.

Improper use of your report

A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Disclosure verification of debt

I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.

Cont'd attempts collect debt not owed

Debt was granted a discharge under section XXXX ( a ) of title XXXX back in 2000.

Incorrect information on credit report

Good day! I have a public record on my credit report from 2008 concerning XXXX XXXX XXXX that I believe should be deleted based the statue of limitations. I have paid the debt and it should not still be on file since it is now 7 years. Please assist me inn this issue, if at all possible. Thank you ...

Billing disputes

I was shocked when I reviewed my credit report and found late payment on my account. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Application, originator, mortgage broker

My mortgage for my home is with Vanderbilt Mortgage and Finance, INC. XXXX # XXXX. As of XXXX 2015 the law was passed on FHA Loans PMI rate has dropped. Vanderbilt claims they are not aware of the law that was passed and has not ajusted my PMI rate according to the Law. Please Help me to make them aware and adjust my Loan amount and others. XXXX XXXX XXXX XXXX

Credit reporting company's investigation

Please see attached.

Loan servicing, payments, escrow account

I provided my home loan servicer documented proof that I paid the property taxes for XX/XX/XXXX, but they still will not add the credit to my account. Caliber also allowed my balance to be paid off in 60 months and now they are requesting all monies paid off by XX/XX/XXXX

Attempts to collect debt not owed

When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed on my credit report.

Unable to get your credit report or credit score

I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.

Managing an account

XXXX / XXXX / 17 Hi, my name is XXXX XXXX . My Capital one 360 checking account has failed to send XXXX ( App ) my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.

Can't repay my loan

Interest and payments are too high.

Improper contact or sharing of info

XXXX has been my carrier for over 7 years this is not my account and seems XXXX has falsely account in my name.

Credit line increase/decrease

I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.

Incorrect information on your report

The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.

Can't repay my loan

Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.

Attempts to collect debt not owed

Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida

Communication tactics

These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.

Deposits and withdrawals

I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.

Managing the loan or lease

- Vehicle lease opened XXXX. Never paid late! - No fault accident XXXX/XXXX/2016 caused a total loss and i contacted Lexus Financial. I was advised that Gap Insurance & Wear & Tear Refund would kick in if insurance did not cover payoff in full. - XXXX/X

Cont'd attempts collect debt not owed

I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.

Closing an account

I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help me.

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

I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.

Attempts to collect debt not owed

XX/XX/XXXX i was never in a hospital since XXXX and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.

Unable to get your credit report or credit score

I 'm trying to apply for a mortgage loan but XXXX score is missing in my tradeline. I called the company and I was told it would take a month to update.

Cont'd attempts collect debt not owed

Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.

Unable to get your credit report or credit score

I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Other fee

when u call hsbc its very difficult to get thru. then when you do its very hard to understand the person who picks up the phone

Attempts to collect debt not owed

It 's been well over a year now, and I 'm still battling with Merchants & Professional remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.

Can't repay my loan

I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.

Incorrect information on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION

Attempts to collect debt not owed

Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.

Incorrect information on your report

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

Disclosure verification of debt

I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.

Communication tactics

They had been called at any time and any days including weekends. This bills should have been paid by my insurance.

Incorrect information on credit report

Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 2. Delete the verbiage that says " Consumer disputes this account information ''

Improper use of your report

I have a credit inquiry on my credit report that I did not authorize from SANTANDER CONSUMER USA dated XX/XX/2017.

Problem with a lender or other company charging your account

{$5.00} Maintenance fee was charge to my accountant monthly they said because I did no have over {$300.00} in my account this happens on the XXXX of each month. But XXXX just came in and I have more then {$300.00} and they charge me another fee. They would not remove my fee this is Bank Of America.

Incorrect information on credit report

The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my name.

Communication tactics

Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months

Forbearance / Workout plans

us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.

Incorrect information on your report

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

Incorrect information on credit report

I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT

Payoff process

I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL

Problem with fraud alerts or security freezes

I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XXXX I notified the agencies to place a fraud notice on my file. This happened again in XXXX .

Attempts to collect debt not owed

Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.

Confusing or misleading advertising or marketing

Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$1300.00} High Balance {$1300.00}

Account opening, closing, or management

have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.

Improper use of your report

On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.

False statements or representation

These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.

Managing an account

This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.

Attempts to collect debt not owed

I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Cont'd attempts collect debt not owed

Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.

Incorrect information on your report

EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.

Attempts to collect debt not owed

I have had XXXX insurance since XXXX. I should n't owe anyone anything

Improper use of your report

I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.

Improper contact or sharing of info

A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.

Written notification about debt

This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.

Improper use of my credit report

I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go.

Incorrect information on credit report

My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.

Credit reporting company's investigation

Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same.

Managing the loan or lease

I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.

Account opening, closing, or management

Sign up for a Citigold account for sign up bonus of XXXX XXXX XXXX XXXX miles if XXXX ( XXXX ) bill payments were completed. The account was opened XXXX/XXXX/15. Used bill payment on XXXX several times and in XXXX Several times. It was confirmed by a representative that all requirements for the promotions were met. They asked for the frequent flyer number so the miles could be awarded. I never received the miles. the account was closed as well ...

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

I am attaching a copy of the letter I mailed to XXXX, Experian, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.

Credit reporting company's investigation

The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''

Customer service / Customer relations

I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.

Cont'd attempts collect debt not owed

I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA

False statements or representation

The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.

Closing/Cancelling account

I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.

Cont'd attempts collect debt not owed

The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.

Incorrect information on credit report

i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.

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

CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

Charged fees or interest I didn't expect

I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me

Loan servicing, payments, escrow account

I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!

Disclosure verification of debt

Company did not provide verification and detailed billing statement.

Closing/Cancelling account

My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.

Incorrect information on credit report

Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.

Attempts to collect debt not owed

PDM continues to harass us over a bill we paid on time over two years ago! They have gone as far as to call our relatives trying to collect. We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? XXXX OF THE XXXX EARTH!!!

Improper contact or sharing of info

I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. Because of this, I can not get further information.

Unable to get your credit report or credit score

I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.

Billing disputes

I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated.

Improper contact or sharing of info

keeps calling my job and harassing me at work on a debt that is over 15 years old