determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Taking/threatening an illegal action	Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.
Dealing with my lender or servicer	BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
Loan modification,collection,foreclosure	My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.
Getting a credit card	They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me
Improper use of your report	Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information. I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.
Account opening, closing, or management	Banamex USA involuntarily closed my account. I have been awaiting to receive the balance of my account for more than XXXX days. Although I am informed that a check was mailed to me, I have not received it. Now I am informed that I need to request a replacement check which will not be issued for another XXXX days.
Struggling to pay mortgage	the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE XXXX XXXX XXXX
Communication tactics	Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.
Incorrect information on credit report	Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.
Attempts to collect debt not owed	My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from XXXX
Cont'd attempts collect debt not owed	In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.
Improper use of my credit report	I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.
Improper use of your report	XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017
Credit line increase/decrease	CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt report.
Communication tactics	The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago
Incorrect information on your report	Applied a credit card for common use and travel reward through XXXX XXXX to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Incorrect information on credit report	The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Improper use of your report	I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.
Account opening, closing, or management	I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!
Fees or interest	XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.
Cont'd attempts collect debt not owed	My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report
Can't repay my loan	Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.
Loan servicing, payments, escrow account	forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise
Unable to get credit report/credit score	On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.
Unable to get credit report/credit score	I could n't see my credit score in free online credit report
Incorrect information on credit report	There is a reported address on my credit report that does not belong to me.
Incorrect information on credit report	I have disputed this information XXXX times. 1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.
Loan servicing, payments, escrow account	I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. My home appraised for {$530000.00}. I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. I now have 79 %. LTV so I should not have PMI insurance. Please help
Unable to get credit report/credit score	I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.
Can't repay my loan	I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.
Attempts to collect debt not owed	Fair Col lections & Out. Acct. XXXX . {$21000.00}. I have no idea who this is, what this is, and ca n' t IMAGINE who I could possibly owe this much money too! I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.
Attempts to collect debt not owed	Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.
Account opening, closing, or management	I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.
Closing an account	I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time. Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.
Closing/Cancelling account	I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.
Attempts to collect debt not owed	Amount was paid in full in 2014 but still appear on credit report plz remove
Opening an account	Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.
Incorrect information on credit report	hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you
Incorrect information on credit report	jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not
Cont'd attempts collect debt not owed	I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this debt.
Unauthorized transactions/trans. issues	I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.
Communication tactics	I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.
Dealing with my lender or servicer	I 'm a XXXX and XXXX. My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.
Incorrect information on your report	XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.
Managing the loan or lease	i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score
Loan servicing, payments, escrow account	I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. Original Acct number-XXXX Original balance- {$710.00}
Took or threatened to take negative or legal action	Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.
Fraud or scam	to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.
Improper use of your report	I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Incorrect information on credit report	A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.
Improper use of your report	On my credit report TD AUTO FIN is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
Loan servicing, payments, escrow account	Constant late notice letters/phone calls from lender when payment made before XX/XX/XXXX.
Communication tactics	Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.
Loan modification,collection,foreclosure	My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.
Incorrect information on credit report	I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX,
Incorrect information on credit report	Equifax is ignoring my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.
Charged fees or interest I didn't expect	I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}
Other service problem	I want to get paid for my damages my kids pictures and my hacked emails and no one tells me nothing yet. For my bashed name
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Cont'd attempts collect debt not owed	The Debt Company Withdrew Funds From My Account Without My Consent.
Problems caused by my funds being low	Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee.
Unable to get your credit report or credit score	.On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.
Settlement process and costs	My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.
Cont'd attempts collect debt not owed	National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja
Attempts to collect debt not owed	XXXX XXXX XXXX , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.
Settlement process and costs	Paid off mortgage with SPS Select Portfolio, Account number XXXX. Loan was paid and closed on property, XXXX XXXX, XXXX, IA XXXX, loan paid off as of XX/XX/2016. Escrow funds have not been returned. We have not been able to get anywhere with calling their customer service. We since then, have purchased another home, and will be moving again and just want our funds back that they owe us.
Improper use of your report	Equifax was hacked and my private data was stolen ( SSN, birthdate, full name, etc. ) and is now susceptible to identity thieves.
Written notification about debt	I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Taking/threatening an illegal action	Attempted to Foreclose on Property without proper documentation. Using a Shell Company to attempt to Cover-up the False Documents.
Incorrect information on credit report	I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.
Communication tactics	Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.
Incorrect information on credit report	My credit score went down a lot and the information on my credit report is not mine!
Communication tactics	Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.
Closing an account	Spoke several times with Bank of America employee : XXXX XXXX Resolution Specialist Regulatory Complaints XXXX She did not honor her agreement regarding XXXX accounts. No response to phone call.
Incorrect information on your report	An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, Equifax and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Loan modification,collection,foreclosure	The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.
Unable to get credit report/credit score	I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.
Charged fees or interest I didn't expect	i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back
Dealing with your lender or servicer	I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.
Unsolicited issuance of credit card	Paypal started a credit card in my name without my express permission. This was after I used Paypal to make a purchase in 2015 for a one-time expense.
Problem with fraud alerts or security freezes	Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.
Fees or interest	On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.
Can't repay my loan	Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.
Taking/threatening an illegal action	Threatening to visit my home or job
Loan servicing, payments, escrow account	My mortgage was transferred from XXXX to Nationstar. Nationstar is charging a {$9.00} processing fee for any online payments made after 9 days, even though according to my mortgage I have two weeks before a late fee is assessed. This seems like a late fee by another name.
Customer service / Customer relations	Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.
Loan servicing, payments, escrow account	My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.
Written notification about debt	I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.
Opening an account	I have accounts that have been opened under my name but are not my accounts
Incorrect information on your report	XXXX in violation of my cra showing a late payment never late with Nordstrom XXXX has fixed it but XXXX has not
Incorrect information on credit report	COLLECTION AGENCY XXXX XXXX XXXX XXXX/XXXXBalance was PIF XX/XX/2013. XXXX XXXX & she confirmed pyt rcvd XX/XX/2013. She corrected & sent me print out showing " XXXX '' bal. She was to have all credit bureaus updated. However, as I look today, the status remains the same. Please verify & update or better yet, remove completely from my credit bureau.
Incorrect information on your report	In XXXX and XXXX of 2017, I fully paid XXXX charged off accounts with Southern Credit Recovery Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.
Incorrect information on your report	Their refusal to have the accounts removed has ruined my life and especially my credit. XXXX XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Application, originator, mortgage broker	Numerous errors and discrepancies found after reviewing documents
Cont'd attempts collect debt not owed	I am daily receiving phone calls from Portfolio Recovery. No messages are ever left. When I block their number they call back from a different number from a different state.
Problem with fraud alerts or security freezes	Remove this security freeze.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
Loan servicing, payments, escrow account	city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly
Using a debit or ATM card	My bank account by Wells Fargo bank is being rubbed over and over again, my complaints have been without a result this is been going on since XX/XX/2007. I have many letters of confirmation but no action. It has been costing me money as well as lots of other XXXX. I am almost certain that the XXXX employees of the bank are sabotaging my account. This is not a single case. The force behind it is " American XXXX congress " please take action

Taking/threatening an illegal action

Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.

Dealing with my lender or servicer

BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.

Loan modification,collection,foreclosure

My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.

Getting a credit card

They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me

Improper use of your report

Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information. I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.

Account opening, closing, or management

Banamex USA involuntarily closed my account. I have been awaiting to receive the balance of my account for more than XXXX days. Although I am informed that a check was mailed to me, I have not received it. Now I am informed that I need to request a replacement check which will not be issued for another XXXX days.

Struggling to pay mortgage

the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE XXXX XXXX XXXX

Communication tactics

Complete pay leaves a recorded message Every other day for weeks. to call them back at XXXX XXXX XXXX not leaving a name whom They are calling for, There is no debt in this household.

Incorrect information on credit report

Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.

Attempts to collect debt not owed

My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from XXXX

Cont'd attempts collect debt not owed

In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.

Improper use of my credit report

I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.

Improper use of your report

XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017

Credit line increase/decrease

CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt report.

Communication tactics

The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago

Incorrect information on your report

Applied a credit card for common use and travel reward through XXXX XXXX to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.

Incorrect information on credit report

The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Improper use of your report

I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

Account opening, closing, or management

I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!

Fees or interest

XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.

Cont'd attempts collect debt not owed

My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Can't repay my loan

Navient calls 4-8 times per day starting at exactly XXXX and ending at around XXXX. They have refused to offer an affordable repayment plan and have denied me a forbearance request during a layoff period. A previous forbearance request over a year ago was met with a XXXX " fee '' due at the time of the request.

Loan servicing, payments, escrow account

forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise

Unable to get credit report/credit score

On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.

Unable to get credit report/credit score

I could n't see my credit score in free online credit report

Incorrect information on credit report

There is a reported address on my credit report that does not belong to me.

Incorrect information on credit report

I have disputed this information XXXX times. 1.Hospital Bill ( not mine ) 2.XXXX ( I sent them the letter I received from the creditor to remove the information ) 3.XXXX ( I sent them the letter I received from the creditor to remove the information ) I receive a notification saying they have verified the information after a couple of days and refuse to delete this off my report.

Loan servicing, payments, escrow account

I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. My home appraised for {$530000.00}. I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. I now have 79 %. LTV so I should not have PMI insurance. Please help

Unable to get credit report/credit score

I have been applying to received my credit report from Equifax and XXXX. With Equifax I received a letter stating again I had to submit proof of my id due to they can not find me in the system. This time they sent the name as XXXX XXXX XXXX. They keep sending me letters asking for proof of id but sending it in the wrong name.

Can't repay my loan

I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.

Attempts to collect debt not owed

Fair Col lections & Out. Acct. XXXX . {$21000.00}. I have no idea who this is, what this is, and ca n' t IMAGINE who I could possibly owe this much money too! I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.

Attempts to collect debt not owed

Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.

Account opening, closing, or management

I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds.

Closing an account

I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time. Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.

Closing/Cancelling account

I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account.

Attempts to collect debt not owed

Amount was paid in full in 2014 but still appear on credit report plz remove

Opening an account

Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.

Incorrect information on credit report

hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you

Incorrect information on credit report

jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not

Cont'd attempts collect debt not owed

I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this debt.

Unauthorized transactions/trans. issues

I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.

Communication tactics

I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.

Dealing with my lender or servicer

I 'm a XXXX and XXXX. My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.

Incorrect information on your report

XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Managing the loan or lease

i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score

Loan servicing, payments, escrow account

I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. Original Acct number-XXXX Original balance- {$710.00}

Took or threatened to take negative or legal action

Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.

Fraud or scam

to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.

Improper use of your report

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.

Incorrect information on credit report

A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Improper use of your report

On my credit report TD AUTO FIN is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.

Loan servicing, payments, escrow account

Constant late notice letters/phone calls from lender when payment made before XX/XX/XXXX.

Communication tactics

Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.

Loan modification,collection,foreclosure

My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.

Incorrect information on credit report

I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX,

Incorrect information on credit report

Equifax is ignoring my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.

Charged fees or interest I didn't expect

I borrowed XXXX. One main is reporting XXXX to the credit bureaus. The larger amount includes interest for the full term of the loan 54 months. I contacted them and they said it is a requirement by law, i explained that this was hurting my credit. I would like to have someone make them change the amount to the {$8000.00}