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	Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.
Disclosure verification of debt	XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Communication tactics	They threating to call me everyday, And also keep calling my wife XXXX XXXX
Cont'd attempts collect debt not owed	This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls. The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX
Loan servicing, payments, escrow account	We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.
Cont'd attempts collect debt not owed	I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX
Account opening, closing, or management	There is a account from Capital One bank on my credit report, I have never had an account at Capital One bank.
Managing, opening, or closing account	The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service
Attempts to collect debt not owed	XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.
Incorrect information on credit report	I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO
False statements or representation	There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.
Loan servicing, payments, escrow account	Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX
Improper use of your report	According to Transunion, XXXX XXXX XXXX XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/XXXX
Cont'd attempts collect debt not owed	A company has reported a collection which is not mine. Please remove
Other	I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do
Incorrect information on credit report	There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. Attached is a list in alphabetical order of all inquires that were not authorized.
Fees or interest	I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.
Improper use of your report	Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX )
Incorrect information on your report	This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Incorrect information on credit report	I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.
Incorrect information on your report	Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Managing an account	I need you to send XXXX my updated transactions. Your delay is literally costing me money.
Cont'd attempts collect debt not owed	It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.
Attempts to collect debt not owed	Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is not a validation of debt. <P/>Thanks
Incorrect information on credit report	The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.
Charged fees or interest I didn't expect	Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}
Communication tactics	I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.
Incorrect information on your report	I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Unable to get credit report/credit score	Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave
Loan modification,collection,foreclosure	A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.
Billing disputes	Citi failed to refund a double billing on my card from XXXX
Incorrect information on credit report	There is an address listed for me where I have never lived. I have never lived in XXXX Virginia. Address listed is XXXX va XXXX.
Improper use of your report	Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.
Incorrect information on credit report	My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.
Loan servicing, payments, escrow account	the mortgage company falsely reported that i was delinquent on payments. i never was delinquent..This affected my credit score dramatically and we lost {$3000.00} while baying the vehicle.
Threatened to contact someone or share information improperly	Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies
Written notification about debt	Correspondence was sent to NACS on XXXX / XXXX / 2016 inquiring about a {$300.00} medical debt reported to XXXX , XXXX & XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.
Taking/threatening an illegal action	THERE ARE XXXX JUDGMENTS APPEARING ON MY PROPERTY XXXX XXXX XXXX XXXX XXXX, New York XXXX Midland has XXXX judgments for the same amount on the property I was informed that these judgments were actually cancelled against my client but are still appearing on the property.
Improper use of your report	I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. XXXX XXXX Date : XX/XX/2016
Closing/Cancelling account	I asked Chase to close my account, due to poor customer service. Chase declined my written request to close my account.
Communication tactics	they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk
Problems when you are unable to pay	check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. thank you XXXX XXXX
Communication tactics	XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.
Problem with a credit reporting company's investigation into an existing problem	I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in XXXX 2017 .
Incorrect information on credit report	They have not responded to my disputes at all. XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.
Communication tactics	They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off
Improper use of your report	XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.
Getting a line of credit	I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications XXXX for years to come. What really is the deal?
Struggling to repay your loan	Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.
Cont'd attempts collect debt not owed	A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. This is a violation of the Fair Credit Act.
Incorrect information on credit report	there is a address that was never mine.
Cont'd attempts collect debt not owed	The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.
Struggling to pay your loan	I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you
Problem with a credit reporting company's investigation into an existing problem	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.
Incorrect information on your report	I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX
Improper contact or sharing of info	Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.
Incorrect information on your report	XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
Deposits and withdrawals	My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. I tried to resolve this matter with the company but was not successful. I want my money back Please assist.
Unable to get credit report/credit score	Can not access free annual report online at XXXX. Can only access via submission of a written request by mail or by uploading request to XXXX.
Incorrect information on your report	I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Attempts to collect debt not owed	capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.
Cont'd attempts collect debt not owed	I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.
Deposits and withdrawals	I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years
Took or threatened to take negative or legal action	I filed a dispute through XXXX XXXX XXXX XXXX XXXX 2017 but i also did my own work and came across that this company is not bonded in the state of texas to collect debt.
Communication tactics	Company made numerous calls following dispute of debt in violation of FDCPA.
Incorrect information on your report	Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Cont'd attempts collect debt not owed	XXXX Stephens & Michaels Associates, Inc. XXXX XXXX XXXX XXXX, NH XXXX Toll Free : XXXX Fax : XXXX Email : [ email protected ] Caller : Stephens & Michaels Associates, Inc. Call Type : Debt collector they keep calling and either will not spealk or call me a liar when I say its not me they are looking for.
Cont'd attempts collect debt not owed	checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores
Struggling to pay mortgage	ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.
Incorrect information on credit report	The Creditor is reporting past the terms allowed. Dates were change after each dispute to justify longer terms on a close account.
Advertising and marketing	I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.
Problems caused by my funds being low	PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.
Struggling to repay your loan	MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.
Delinquent account	XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.
Attempts to collect debt not owed	DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
Deposits and withdrawals	Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. Now am conned out of {$500.00} by the crooks at discover bank.
Communication tactics	Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.
False statements or representation	1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.
Problems when you are unable to pay	regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help
Improper use of your report	Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 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.
Unable to get credit report/credit score	I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Customer service / Customer relations	I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.
Cont'd attempts collect debt not owed	My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!
Cont'd attempts collect debt not owed	Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.
Disclosure verification of debt	I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.
Attempts to collect debt not owed	XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX XXXX
Account opening, closing, or management	A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.
Struggling to pay your loan	Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account manager and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.
Cont'd attempts collect debt not owed	Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.
Cont'd attempts collect debt not owed	I recently viewed my credit report and noticed that this company has report that I owe them a debt.
Incorrect information on your report	Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do
Managing an account	Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.
Other	This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?
Incorrect information on your report	For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. I NEVER had an account ALLY FINANCIAL.
Disclosure verification of debt	I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.
Credit reporting company's investigation	Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. XXXX acct # XXXX XXXX Acct # XXXX
Incorrect information on your report	I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Loan modification,collection,foreclosure	I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....
Dealing with my lender or servicer	have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..

Cont'd attempts collect debt not owed

Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.

Disclosure verification of debt

XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED

Communication tactics

They threating to call me everyday, And also keep calling my wife XXXX XXXX

Cont'd attempts collect debt not owed

This company continues to call and not provide any information about why they are calling or the debt they are attempting to collect. Then they threaten me by saying I am being taken to court. They call my work phone and my cell phone daily using robocalls. The company name, they say is ADR Group or Alternative Resolution Dispute. But I can not find them online. The number they sometimes answer is XXXX

Loan servicing, payments, escrow account

We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.

Cont'd attempts collect debt not owed

I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX

Account opening, closing, or management

There is a account from Capital One bank on my credit report, I have never had an account at Capital One bank.

Managing, opening, or closing account

The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service

Attempts to collect debt not owed

XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.

Incorrect information on credit report

I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO

False statements or representation

There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.

Loan servicing, payments, escrow account

Mortgage Co on paper said they paid my taxes for 2015 and has not done. They keep on saying they will. The name of the mortgage co that XXXX XXXX sold is SHELL MORTAGE SERVICING, XXXX, S.C XXXX -- XXXX

Improper use of your report

According to Transunion, XXXX XXXX XXXX XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/XXXX

Cont'd attempts collect debt not owed

A company has reported a collection which is not mine. Please remove

Other

I called midland funding llc to resolve my cc I proceed to explain to the representative I was in a hardship and what I could do he would just not work with me. I explained I talked to family and friends and i offered a reasonable settlement to resolve this issue and he said by law he ca n't settle. My understanding is there is no law in doing a settlement so is this rep being truthful I just feel like I 'm being cornered to do something I just ca n't do I do n't know what to do

Incorrect information on credit report

There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. Attached is a list in alphabetical order of all inquires that were not authorized.

Fees or interest

I paid my credit card bill, the payment was accepted and then overturned. There was no reason given for why the payment was recieved, accepted then overturned.

Improper use of your report

Transunion incorrect information : XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX - ( XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX ) XXXX incorrect information XXXX XXXX - ( XX/XX/XXXX ) XXXX - (XX/XX/XXXX ) XXXX XXXX XXXX - ( XX/XX/XXXX )

Incorrect information on your report

This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Incorrect information on credit report

I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.

Incorrect information on your report

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Managing an account

I need you to send XXXX my updated transactions. Your delay is literally costing me money.

Cont'd attempts collect debt not owed

It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.

Attempts to collect debt not owed

Dear XXXX XXXX IQ DATA INTERNATIONAL Mailed me 2 documents on XX/XX/XXXX-2017 enclosed was validation of debt. However the documents sent to me was documents typed up from IQ DARA INTERNATIONAL. I would like to see a signed contract with my name and dates showing i have a contract withIQ DATA INTERNATIONAL. Below is the documents that was mailed to me which is not a validation of debt. <P/>Thanks

Incorrect information on credit report

The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.

Charged fees or interest I didn't expect

Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}

Communication tactics

I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.

Incorrect information on your report

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

Unable to get credit report/credit score

Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave

Loan modification,collection,foreclosure

A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.

Billing disputes

Citi failed to refund a double billing on my card from XXXX

Incorrect information on credit report

There is an address listed for me where I have never lived. I have never lived in XXXX Virginia. Address listed is XXXX va XXXX.

Improper use of your report

Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.

Incorrect information on credit report

My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.

Loan servicing, payments, escrow account

the mortgage company falsely reported that i was delinquent on payments. i never was delinquent..This affected my credit score dramatically and we lost {$3000.00} while baying the vehicle.

Threatened to contact someone or share information improperly

Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies

Written notification about debt

Correspondence was sent to NACS on XXXX / XXXX / 2016 inquiring about a {$300.00} medical debt reported to XXXX , XXXX & XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.

Taking/threatening an illegal action

THERE ARE XXXX JUDGMENTS APPEARING ON MY PROPERTY XXXX XXXX XXXX XXXX XXXX, New York XXXX Midland has XXXX judgments for the same amount on the property I was informed that these judgments were actually cancelled against my client but are still appearing on the property.

Improper use of your report

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. XXXX XXXX Date : XX/XX/2016

Closing/Cancelling account

I asked Chase to close my account, due to poor customer service. Chase declined my written request to close my account.

Communication tactics

they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk

Problems when you are unable to pay

check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. thank you XXXX XXXX

Communication tactics

XXXX XXXX @ XXXX at XXXX XXXX XXXX, XXXX NY, has made repeated belligerent and aggressive phone calls to my elderly mother who is in poor health. She is subsequently confused, annoyed and upset and we wish for this to stop.

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

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in XXXX 2017 .

Incorrect information on credit report

They have not responded to my disputes at all. XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.

Communication tactics

They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off

Improper use of your report

XX/XX/2018 I have notice over five inquiries on my credit report which i did not give any permission. there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and my credit.

Getting a line of credit

I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications XXXX for years to come. What really is the deal?

Struggling to repay your loan

Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.

Cont'd attempts collect debt not owed

A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. This is a violation of the Fair Credit Act.

Incorrect information on credit report

there is a address that was never mine.

Cont'd attempts collect debt not owed

The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.

Struggling to pay your loan

I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you

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

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.

Incorrect information on your report

I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. XXXX XXXX XXXX

Improper contact or sharing of info

Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.

Incorrect information on your report

XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.

Deposits and withdrawals

My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. I tried to resolve this matter with the company but was not successful. I want my money back Please assist.

Unable to get credit report/credit score

Can not access free annual report online at XXXX. Can only access via submission of a written request by mail or by uploading request to XXXX.

Incorrect information on your report

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.

Attempts to collect debt not owed

capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.

Cont'd attempts collect debt not owed

I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.

Deposits and withdrawals

I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years

Took or threatened to take negative or legal action

I filed a dispute through XXXX XXXX XXXX XXXX XXXX 2017 but i also did my own work and came across that this company is not bonded in the state of texas to collect debt.

Communication tactics

Company made numerous calls following dispute of debt in violation of FDCPA.

Incorrect information on your report

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

Cont'd attempts collect debt not owed

XXXX Stephens & Michaels Associates, Inc. XXXX XXXX XXXX XXXX, NH XXXX Toll Free : XXXX Fax : XXXX Email : [ email protected ] Caller : Stephens & Michaels Associates, Inc. Call Type : Debt collector they keep calling and either will not spealk or call me a liar when I say its not me they are looking for.

Cont'd attempts collect debt not owed

checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores

Struggling to pay mortgage

ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.

Incorrect information on credit report

The Creditor is reporting past the terms allowed. Dates were change after each dispute to justify longer terms on a close account.

Advertising and marketing

I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.

Problems caused by my funds being low

PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.

Struggling to repay your loan

MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.

Delinquent account

XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.

Attempts to collect debt not owed

DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS

Deposits and withdrawals

Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. Now am conned out of {$500.00} by the crooks at discover bank.

Communication tactics

Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.

False statements or representation

1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.

Problems when you are unable to pay

regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help

Improper use of your report

Hard inquiries are is on my credit report and most of them I didnt authorize. Also many of the companies listed I have no desire to do business with them.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 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.

Unable to get credit report/credit score

I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Customer service / Customer relations

I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment.

Cont'd attempts collect debt not owed

My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!

Cont'd attempts collect debt not owed

Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Disclosure verification of debt

I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.

Attempts to collect debt not owed

XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX XXXX

Account opening, closing, or management

A PayPal credit account was opened in my name and has an outstanding balance on it that is not attributable to me. I want this account removed from my credit reports and I want the derogatory comments removed from the credit files as well.

Struggling to pay your loan

Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account manager and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.

Cont'd attempts collect debt not owed

Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.

Cont'd attempts collect debt not owed

I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Incorrect information on your report

Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do

Managing an account

Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.

Other

This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?

Incorrect information on your report

For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. I NEVER had an account ALLY FINANCIAL.

Disclosure verification of debt

I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.

Credit reporting company's investigation

Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. XXXX acct # XXXX XXXX Acct # XXXX

Incorrect information on your report

I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Loan modification,collection,foreclosure

I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....

Dealing with my lender or servicer

have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..