determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.
Billing disputes	SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT
Incorrect information on credit report	I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my report.
Communication tactics	Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.
Problem with a credit reporting company's investigation into an existing problem	Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
Credit monitoring or identity theft protection services	Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.
Dealing with your lender or servicer	I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop receiving this call daily, some times several times a day
Application, originator, mortgage broker	Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. I contacted XXXX and the rep says there is no record of any request from Suntrust. Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.
Communication tactics	They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.
Incorrect information on your report	There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.
Trouble during payment process	We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.
Loan servicing, payments, escrow account	JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.
Attempts to collect debt not owed	My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report
Improper use of your report	I do n't recognize inquiries on all XXXX credit burea I filed on XXXX XXXX and XXXX XXXX have not applied for anything on fix income spoke with all XXXX bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best XXXX bless you
Incorrect information on your report	I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.
Managing an account	I opened an account with XXXX XXXX and soon after there was issue with account and I can't use it. I was transferred from department to department.
Incorrect information on credit report	Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.
Problems when you are unable to pay	The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.
Incorrect information on your report	I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.
Incorrect information on credit report	I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.
Trouble during payment process	Our mortgage was sold by Bayview to XXXX XXXX . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
Incorrect information on credit report	I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.
Attempts to collect debt not owed	Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Opening an account	I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received
Incorrect information on credit report	Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
Incorrect information on credit report	My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.
Deposits and withdrawals	I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.
Improper use of my credit report	XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.
Incorrect information on your report	I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.
Trouble during payment process	To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? Thanks, XXXX XXXX
Deposits and withdrawals	I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.
Improper use of your report	Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created
Incorrect information on credit report	I was checking my credit report and saw that i had a hard inquiry on my report and i checked that it was by XXXX i did not apply for credit there.
Incorrect information on credit report	XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.
Managing an account	Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. Letter in response from XXXX XXXX XXXX/XXXX/XXXX,
Billing disputes	My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.
Attempts to collect debt not owed	Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.
Loan modification,collection,foreclosure	I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork
Application, originator, mortgage broker	My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.
Communication tactics	Repeated calls
Incorrect information on credit report	XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.
Cont'd attempts collect debt not owed	I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.
Dealing with your lender or servicer	my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.
Loan modification,collection,foreclosure	I have been trying to do a loan modification since XXXX due financial hardship n XXXX and XXXX ; it has been 3 years of being pushed back from the mortgage servicer, which has changed XXXX already. My unpaid balanced grew to the point of foreclosure instead the company tried to helped me out to keep my home.
Incorrect information on credit report	the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.
Threatened to contact someone or share information improperly	AFNI- XXXX . - Reported on XXXX XXXX , 2013 {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.
Incorrect information on your report	A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX
Other	Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.
Struggling to pay mortgage	SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting me
Incorrect information on your report	Upon reviewing my credit report I mailed a 609 let ter on XXXX XXXX , 2017 by certified mail in order to remove an account that is on my account due to fraudulent activity. On XXXX XXXX , 2017 i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.
Incorrect information on credit report	I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Taking/threatening an illegal action	This account is too old and was not open in XXXX 2016 as stated in my credit report.
Attempts to collect debt not owed	XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX
Unable to get credit report/credit score	I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help
Problem with a credit reporting company's investigation into an existing problem	I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.
Threatened to contact someone or share information improperly	Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would have had to illegally obtain information to even get their contact information. The only person associated with the account is me.
False statements or representation	XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!
Struggling to pay mortgage	from my previous case from bank of America ref # XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.
Credit reporting company's investigation	I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day
Struggling to repay your loan	More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.
Cont'd attempts collect debt not owed	There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help
Disclosure verification of debt	Did not receive a bill. But this should have been sent to my insurance company.
Cont'd attempts collect debt not owed	IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES
Dealing with your lender or servicer	Was told that interest accrues daily, and that 's why my additional money is not going to principal. I have been paying the amount required plus extra for several months. The breakdown of money application on the reverse side of each month 's statement does not show anything about additional money being applied to the then current principal.
Cont'd attempts collect debt not owed	I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.
Improper use of your report	equifax hacked and I learned my information was compromised
Cont'd attempts collect debt not owed	This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.
Problem with a credit reporting company's investigation into an existing problem	I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
Incorrect information on your report	I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
Incorrect information on credit report	I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you.
Disclosure verification of debt	We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.
Cont'd attempts collect debt not owed	The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.
Cont'd attempts collect debt not owed	This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?
Cont'd attempts collect debt not owed	I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a
Incorrect information on credit report	I paid already an account and they said I did n't pay and reporting late paid
Loan modification,collection,foreclosure	I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from AMCOL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMCOL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Received a loan I didn't apply for	This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.
Credit decision / Underwriting	My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.
Dealing with my lender or servicer	I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX
Disclosure verification of debt	I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.
Unable to get credit report/credit score	I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.
Payoff process	My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting as charge off.
Making/receiving payments, sending money	I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.
Dealing with my lender or servicer	I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.
Loan servicing, payments, escrow account	Central Mortgage Company charged a late fee that should not have been charged. They have done this several times on my online bill pay.
Cont'd attempts collect debt not owed	order company to cease all phone communication & send it thru the mail and they continue to call me
Other	American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.
Closing your account	I tried to close my account and they told me they would turn me in the credit bureau. XXXX 2017ask f or for
Took or threatened to take negative or legal action	Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.
Disclosure verification of debt	MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED
Improper use of my credit report	Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.
Dealing with my lender or servicer	In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.
Improper use of your report	I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.
Took or threatened to take negative or legal action	I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.
False statements or representation	Phone calls not even sure what this debt is, keeps calling former spouse.
Improper use of your report	Equifax has mishandled my information which has led to a massive data 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 have received no email, letter, or phone call and instead had to discover it via social media. .
Improper use of your report	I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.
Communication tactics	The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.
Incorrect information on credit report	I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008

Incorrect information on your report

I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.

Billing disputes

SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT

Incorrect information on credit report

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my report.

Communication tactics

Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.

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

Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.

Credit monitoring or identity theft protection services

Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.

Dealing with your lender or servicer

I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop receiving this call daily, some times several times a day

Application, originator, mortgage broker

Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. I contacted XXXX and the rep says there is no record of any request from Suntrust. Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.

Communication tactics

They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.

Incorrect information on your report

There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.

Trouble during payment process

We paid off our mortgage on X/XX/2017 and the lien has still not been released. {$210000.00} was wired to XXXX XXXX from XXXX XXXX on that date. We have notification that the payment was received. We have called the people at XXXX XXXX numerous times and they 've assured us that they were working on the problem. All promise-no action.

Loan servicing, payments, escrow account

JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.

Attempts to collect debt not owed

My complaint is with I.C System who is trying to collect on a XXXX XXXX account from XX/XX/2014. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report

Improper use of your report

I do n't recognize inquiries on all XXXX credit burea I filed on XXXX XXXX and XXXX XXXX have not applied for anything on fix income spoke with all XXXX bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best XXXX bless you

Incorrect information on your report

I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

Managing an account

I opened an account with XXXX XXXX and soon after there was issue with account and I can't use it. I was transferred from department to department.

Incorrect information on credit report

Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.

Problems when you are unable to pay

The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.

Incorrect information on your report

I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.

Incorrect information on credit report

I closed this account by turning in the mobile phone on time and they added another payment to the account when the account was closed. I would not pay it and they sent it to collections.

Trouble during payment process

Our mortgage was sold by Bayview to XXXX XXXX . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.

Incorrect information on credit report

I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.

Attempts to collect debt not owed

Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.

Opening an account

I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received

Incorrect information on credit report

Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???

Incorrect information on credit report

My report seems to have several new hard inquiries from XXXX XXXX and XXXX that I never authorized ( and most are from companies I 've never heard of ). Additionally I 've been associated with XXXX new employers as of XXXX XXXX and that is incorrect as well.

Deposits and withdrawals

I was the victim of scam. I unknowingly deposited a fraudulent check into my account and withdrew the amount. Once I realized it was a scam I immediately noticed USAA about the situation and filed a police report. USAA then banned me from their services except to pay back the sum of the fraudulent check. I can no longer access my accounts online or otherwise.

Improper use of my credit report

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.

Incorrect information on your report

I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.

Trouble during payment process

To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? Thanks, XXXX XXXX

Deposits and withdrawals

I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.

Improper use of your report

Equifax did not take proper precautions to safeguard sensitive data on their servers and lost it and as part of the breach want me to sign a arbitration clause for them to do anything about it even though they made the mistake. It is unacceptable for the company to require an arbitration clause for any remediation of the issue they created

Incorrect information on credit report

I was checking my credit report and saw that i had a hard inquiry on my report and i checked that it was by XXXX i did not apply for credit there.

Incorrect information on credit report

XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.

Managing an account

Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. Letter in response from XXXX XXXX XXXX/XXXX/XXXX,

Billing disputes

My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.

Attempts to collect debt not owed

Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.

Loan modification,collection,foreclosure

I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork

Application, originator, mortgage broker

My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.

Communication tactics

Repeated calls

Incorrect information on credit report

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.

Cont'd attempts collect debt not owed

I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.

Dealing with your lender or servicer

my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.

Loan modification,collection,foreclosure

I have been trying to do a loan modification since XXXX due financial hardship n XXXX and XXXX ; it has been 3 years of being pushed back from the mortgage servicer, which has changed XXXX already. My unpaid balanced grew to the point of foreclosure instead the company tried to helped me out to keep my home.

Incorrect information on credit report

the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.

Threatened to contact someone or share information improperly

AFNI- XXXX . - Reported on XXXX XXXX , 2013 {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.

Incorrect information on your report

A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX

Other

Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.

Struggling to pay mortgage

SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting me

Incorrect information on your report

Upon reviewing my credit report I mailed a 609 let ter on XXXX XXXX , 2017 by certified mail in order to remove an account that is on my account due to fraudulent activity. On XXXX XXXX , 2017 i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my report.

Incorrect information on credit report

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Taking/threatening an illegal action

This account is too old and was not open in XXXX 2016 as stated in my credit report.

Attempts to collect debt not owed

XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX

Unable to get credit report/credit score

I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help

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

I do n't understand why I have XXXX XXXX XXXX XXXX XXXX. All of these charges were negotiated with insurance and we agreed that these charges were incorrect.

Threatened to contact someone or share information improperly

Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would have had to illegally obtain information to even get their contact information. The only person associated with the account is me.

False statements or representation

XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!

Struggling to pay mortgage

from my previous case from bank of America ref # XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.

Credit reporting company's investigation

I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day

Struggling to repay your loan

More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.

Cont'd attempts collect debt not owed

There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help

Disclosure verification of debt

Did not receive a bill. But this should have been sent to my insurance company.

Cont'd attempts collect debt not owed

IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES

Dealing with your lender or servicer

Was told that interest accrues daily, and that 's why my additional money is not going to principal. I have been paying the amount required plus extra for several months. The breakdown of money application on the reverse side of each month 's statement does not show anything about additional money being applied to the then current principal.

Cont'd attempts collect debt not owed

I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.

Improper use of your report

equifax hacked and I learned my information was compromised

Cont'd attempts collect debt not owed

This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.

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

I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.

Incorrect information on your report

I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.

Incorrect information on credit report

I would like Chapter XXXX bankruptcy judgement removed on Transunion credit report and XXXX credit report.It has been passed seven years.Thank you.

Disclosure verification of debt

We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.

Cont'd attempts collect debt not owed

The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.

Cont'd attempts collect debt not owed

This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?

Cont'd attempts collect debt not owed

I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a

Incorrect information on credit report

I paid already an account and they said I did n't pay and reporting late paid

Loan modification,collection,foreclosure

I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.

Cont'd attempts collect debt not owed

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

Received a loan I didn't apply for

This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.

Credit decision / Underwriting

My mortgage loan was transfer from XXXX to Carrington Mortgage Services back in XX/XX/2016. My credit score has drop because I do not have a current mortgage listed on my credit reports. I have contacted Carrington about this several times, and they still have not put it on my credit reports.

Dealing with my lender or servicer

I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX

Disclosure verification of debt

I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.

Unable to get credit report/credit score

I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.

Payoff process

My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting as charge off.

Making/receiving payments, sending money

I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.

Dealing with my lender or servicer

I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.

Loan servicing, payments, escrow account

Central Mortgage Company charged a late fee that should not have been charged. They have done this several times on my online bill pay.

Cont'd attempts collect debt not owed

order company to cease all phone communication & send it thru the mail and they continue to call me

Other

American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.

Closing your account

I tried to close my account and they told me they would turn me in the credit bureau. XXXX 2017ask f or for

Took or threatened to take negative or legal action

Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.

Disclosure verification of debt

MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED

Improper use of my credit report

Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.

Dealing with my lender or servicer

In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.

Improper use of your report

I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.

Took or threatened to take negative or legal action

I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.

False statements or representation

Phone calls not even sure what this debt is, keeps calling former spouse.

Improper use of your report

Equifax has mishandled my information which has led to a massive data 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 have received no email, letter, or phone call and instead had to discover it via social media. .

Improper use of your report

I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

Communication tactics

The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.

Incorrect information on credit report

I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008