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 old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck
Attempts to collect debt not owed	AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....
Incorrect information on your report	I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.
Credit monitoring or identity protection	There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.
Improper use of my credit report	This was an unauthorized credit pull. I did not want their Credit card. XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.
Incorrect information on your report	experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues
Incorrect information on credit report	USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.
Loan modification,collection,foreclosure	I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX experian and XXXX the have the police report they are in violation of cra
Trouble during payment process	I need Wells Fargo to send me all the Inpection fees when Wells Fargo started servicing the loan and till the day of foreclosure. Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX My email is XXXX
Taking/threatening an illegal action	attempting to collect on a debt that is XXXX years old and is not reported on any of the XXXX credit reporting agencies reports.
Written notification about debt	Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.
Attempts to collect debt not owed	I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Cont'd attempts collect debt not owed	THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE
Incorrect information on credit report	There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.
Application, originator, mortgage broker	XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached
Incorrect information on your report	I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Cont'd attempts collect debt not owed	I was XXXX XXXX XXXX requiring XXXX back in XXXX XXXX , and I was brought to the XXXX XXXX XXXX Hospital where I received the XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at XXXX XXXX XXXX in XXXX XXXX , Georgia. I do not believe I owe a debt that has been on my account for several years now.
Loan servicing, payments, escrow account	My loan was recently transferred from XXXX to US BANK. I have sent US BANK two payments. The second payment was reversed from my account and sent to XXXX. The Cashiers check specifically stated where that money should be applied and US BANK took it upon themselves to take my XX/XX/XXXX payment and send it to the previous lender without even informing me causing my account to be past due.
Incorrect information on credit report	Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California.
Improper use of your report	Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.
Loan servicing, payments, escrow account	chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full
Can't repay my loan	I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.
Attempts to collect debt not owed	Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was XXXX XXXX which has sent been bought out. All insurance and co-pays have been paid in full.
Problem with fraud alerts or security freezes	Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.
Incorrect information on your report	cra violation inaccurate information id theft victim sent all po reports and hdp reports
Problems when you are unable to pay	Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned
Making/receiving payments, sending money	I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX
Written notification about debt	charge on my credit that I did not make
Problem with a credit reporting company's investigation into an existing problem	My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.
Incorrect information on credit report	I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Dealing with my lender or servicer	Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.
Dealing with my lender or servicer	#NAME?
Loan modification,collection,foreclosure	Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.
Incorrect information on your report	I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Advertising, marketing or disclosures	I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.
Cont'd attempts collect debt not owed	This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Application, originator, mortgage broker	I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. I tried many other Banks and help. No good. They bought XXXX XXXX mortgage in a heart beat. I was out! This is a terrible Bank
Incorrect information on your report	Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE XXXX
Disclosure verification of debt	I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?
Problem with a credit reporting company's investigation into an existing problem	I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Written notification about debt	I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE
Closing your account	BarclaysCard shut my account down with out any warning, mentioning some unspecified violation of bank policy. They seized roughly {$1000.00} worth of points. Please help me get a refund check for the roughly {$1000.00} worth of points they stole.
Communication tactics	This is a third party collector to who I told to stop contacting me repeatedly.
Other	There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.
Loan servicing, payments, escrow account	Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!
Problem with a credit reporting company's investigation into an existing problem	I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
Improper use of your report	Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.
Incorrect information on your report	set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.
Using a debit or ATM card	I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.
Delinquent account	Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.
Settlement process and costs	A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.
Disclosure verification of debt	i have called about this issue and they say i dont owe this bill
Incorrect information on credit report	transunion reinserted accounts already deleted for lack of verifiable documentation.
Threatened to contact someone or share information improperly	On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.
Application, originator, mortgage broker	I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.
Identity theft / Fraud / Embezzlement	I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP
Cont'd attempts collect debt not owed	I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything
Threatened to contact someone or share information improperly	XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
Cont'd attempts collect debt not owed	I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.
Cont'd attempts collect debt not owed	Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. I never received anything from this company. They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.
Cont'd attempts collect debt not owed	I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.
Incorrect information on credit report	zip. they keep reinserting incorrect info.
Problem with a credit reporting company's investigation into an existing problem	My husband and I disputed many accounts and inquiries on XXXX, Experian and XXXX in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Cont'd attempts collect debt not owed	This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.
Managing the loan or lease	I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Cont'd attempts collect debt not owed	I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on XXXX
Incorrect information on credit report	Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from AFNI 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 commission which I wrote a formal complaint against AFNI 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
Loan modification,collection,foreclosure	I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.
Loan servicing, payments, escrow account	Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.
False statements or representation	A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
Dealing with my lender or servicer	Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.
Incorrect information on credit report	CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.
Fraud or scam	I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.
Incorrect information on credit report	i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.
Improper use of your report	Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.
False statements or representation	After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.
Identity theft / Fraud / Embezzlement	I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Identity theft / Fraud / Embezzlement	I was vacationing in XXXX XXXX when I had fraudulent charges occur on my credit card in Wisconsin USA, I have never visited that state in my life
Loan modification,collection,foreclosure	Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.
Incorrect information on credit report	I claimed bankruptcy last year and bills are from the year before. They should have been discharged
Disclosure verification of debt	The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.
Cont'd attempts collect debt not owed	I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.
Credit reporting company's investigation	I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
Problems caused by my funds being low	Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e X/2016 I a m not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Deposits and withdrawals	I am not able to make a mobile check deposit.
Incorrect information on your report	NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.
Managing an account	After direct deposit was made debit card and checking account was closed
Other	I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.
Using a debit or ATM card	I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.
Incorrect information on credit report	I was the victim of identity theft and provided the proper documentation to have it removed yet it was not deleted.
Attempts to collect debt not owed	I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. This game debt collector had my address and the exact balance that was due last month,
Charged fees or interest I didn't expect	Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.
Can't repay my loan	I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.
Incorrect information on your report	XXXX will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.
Attempts to collect debt not owed	I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.

Incorrect information on your report

I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

Attempts to collect debt not owed

AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....

Incorrect information on your report

I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Credit monitoring or identity protection

There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.

Improper use of my credit report

This was an unauthorized credit pull. I did not want their Credit card. XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

Incorrect information on your report

experian, XXXX and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

Incorrect information on credit report

USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.

Loan modification,collection,foreclosure

I 've submitted request for modification with financials to Bank Of America Since XXXX 2016 several times. My husband had XXXX XXXX and we got behind on all of our bills, while he was off from work for 6 months. Bank Of America has given us the run a round. We want to keep our house.

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

XXXX XXXX experian and XXXX the have the police report they are in violation of cra

Trouble during payment process

I need Wells Fargo to send me all the Inpection fees when Wells Fargo started servicing the loan and till the day of foreclosure. Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX My email is XXXX

Taking/threatening an illegal action

attempting to collect on a debt that is XXXX years old and is not reported on any of the XXXX credit reporting agencies reports.

Written notification about debt

Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.

Attempts to collect debt not owed

I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Cont'd attempts collect debt not owed

THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE

Incorrect information on credit report

There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.

Application, originator, mortgage broker

XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached

Incorrect information on your report

I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX

Cont'd attempts collect debt not owed

I was XXXX XXXX XXXX requiring XXXX back in XXXX XXXX , and I was brought to the XXXX XXXX XXXX Hospital where I received the XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at XXXX XXXX XXXX in XXXX XXXX , Georgia. I do not believe I owe a debt that has been on my account for several years now.

Loan servicing, payments, escrow account

My loan was recently transferred from XXXX to US BANK. I have sent US BANK two payments. The second payment was reversed from my account and sent to XXXX. The Cashiers check specifically stated where that money should be applied and US BANK took it upon themselves to take my XX/XX/XXXX payment and send it to the previous lender without even informing me causing my account to be past due.

Incorrect information on credit report

Incorrect address is listed. The XXXX XXXX, CA address is not a valid previous address. I 've never even been to California.

Improper use of your report

Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.

Loan servicing, payments, escrow account

chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full

Can't repay my loan

I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.

Attempts to collect debt not owed

Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was XXXX XXXX which has sent been bought out. All insurance and co-pays have been paid in full.

Problem with fraud alerts or security freezes

Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.

Incorrect information on your report

cra violation inaccurate information id theft victim sent all po reports and hdp reports

Problems when you are unable to pay

Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned

Making/receiving payments, sending money

I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX

Written notification about debt

charge on my credit that I did not make

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

My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.

Incorrect information on credit report

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Dealing with my lender or servicer

Income driven repayment I was approved for because I 've worked for XXXX over XXXX years. My payment history and or loan amount needs to be updated because the amount reported is hindering my credit report.

Dealing with my lender or servicer

#NAME?

Loan modification,collection,foreclosure

Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.

Incorrect information on your report

I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

Advertising, marketing or disclosures

I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.

Cont'd attempts collect debt not owed

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Application, originator, mortgage broker

I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. I tried many other Banks and help. No good. They bought XXXX XXXX mortgage in a heart beat. I was out! This is a terrible Bank

Incorrect information on your report

Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE XXXX

Disclosure verification of debt

I HAVE XXXX JUDGEMENTS ON MY CREDIT REPORT FROM 1998. I DO NOT RECALL THESE CREDITORS NOR DID I KNOW I HAD THEM ON MY REPORT UNTIL I APPLIED FOR A MORTGAGE AND WAS FORCED TO MAKE PAYMENT ARRANGEMENTS WITH THESE ATTORNEYS/DEBT COLLECTORS. ITS BEEN 20 YEARS SINCE I RECIEVED A SUPEANA AND I DID REPLY TO JUDGEMENT AND NOT HEARD NOTHING. I WAS TOLD IF I COULD PROVE THIS ISNT MY DEBT I WOULDNT HAVE TO PAY IT. I DONT RECALL THIS IS FROM 1998. WHAT CAN I DO?

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

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Written notification about debt

I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE

Closing your account

BarclaysCard shut my account down with out any warning, mentioning some unspecified violation of bank policy. They seized roughly {$1000.00} worth of points. Please help me get a refund check for the roughly {$1000.00} worth of points they stole.

Communication tactics

This is a third party collector to who I told to stop contacting me repeatedly.

Other

There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.

Loan servicing, payments, escrow account

Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!

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

I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.

Improper use of your report

Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.

Incorrect information on your report

set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.

Using a debit or ATM card

I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.

Delinquent account

Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.

Settlement process and costs

A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.

Disclosure verification of debt

i have called about this issue and they say i dont owe this bill

Incorrect information on credit report

transunion reinserted accounts already deleted for lack of verifiable documentation.

Threatened to contact someone or share information improperly

On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.

Application, originator, mortgage broker

I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.

Identity theft / Fraud / Embezzlement

I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX We disputed the information that 's being reported to my credit report which is incorrect and this company has n't provided me validation of the information that they 're reporting and using general information to confirm this incorrect information. This is causing very negative effect on my credit report scoring and I want this information removed ASAP

Cont'd attempts collect debt not owed

I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything

Threatened to contact someone or share information improperly

XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.

Cont'd attempts collect debt not owed

I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.

Cont'd attempts collect debt not owed

Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. I never received anything from this company. They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.

Cont'd attempts collect debt not owed

I have received repeated and daily calls for Dynamic Recovery Solutions from XXXX XXXX XXXX XXXX. I have never lived XXXX. I have lived in XXXX, FL since 1981.

Incorrect information on credit report

zip. they keep reinserting incorrect info.

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

My husband and I disputed many accounts and inquiries on XXXX, Experian and XXXX in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

Cont'd attempts collect debt not owed

This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.

Managing the loan or lease

I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Cont'd attempts collect debt not owed

I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on XXXX

Incorrect information on credit report

Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from AFNI 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 commission which I wrote a formal complaint against AFNI 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

Loan modification,collection,foreclosure

I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.

Loan servicing, payments, escrow account

Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.

False statements or representation

A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.

Dealing with my lender or servicer

Navient is reporting that my student loans have been charged off and I owe a balance of over {$40000.00}. Meanwhile, the accounts are over XXXX years old and should be removed from my credit report. I filed chapter XXXX bankruptcy in 2010. I have attached the accounts that Navient refuses to update in their system and remove from my credit report. Some accounts are over 10 years old.

Incorrect information on credit report

CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.

Fraud or scam

I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.

Incorrect information on credit report

i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.

Improper use of your report

Chase bank put unauthorized inquiries on my credit report. The first one was on XXXX XXXX. The next one was on XXXX XXXX. Also on XXXX XXXX XXXX and the last one was on XXXX XXXX XXXX. I have gone to the bank and they told me they could not do anything about it. It is hurting my credit badly. I am working hard to raise my credit score.I do not understand how is it that the bank can do this to hard working people.

False statements or representation

After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.

Identity theft / Fraud / Embezzlement

I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.

Problem when making payments

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

Identity theft / Fraud / Embezzlement

I was vacationing in XXXX XXXX when I had fraudulent charges occur on my credit card in Wisconsin USA, I have never visited that state in my life

Loan modification,collection,foreclosure

Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment.

Incorrect information on credit report

I claimed bankruptcy last year and bills are from the year before. They should have been discharged

Disclosure verification of debt

The representative requested my full Social Security number over the phone. XXXX ( requested that I repeat ). Further, I was informed that the company would not send correspondence regarding my account information with a firm NO. When I requested to know why the company could not send information in writing, I was given a nonsensical answer.

Cont'd attempts collect debt not owed

I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.

Credit reporting company's investigation

I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.

Problems caused by my funds being low

Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.

Problem when making payments

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e X/2016 I a m not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

Deposits and withdrawals

I am not able to make a mobile check deposit.

Incorrect information on your report

NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.

Managing an account

After direct deposit was made debit card and checking account was closed

Other

I have disputed with Capital One with the bureas neither the bureas or Capital One put the account under dispute on the credit reports. Violation of FCRA. I have forwareded this to my lawyer for further review.

Using a debit or ATM card

I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.

Incorrect information on credit report

I was the victim of identity theft and provided the proper documentation to have it removed yet it was not deleted.

Attempts to collect debt not owed

I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. This game debt collector had my address and the exact balance that was due last month,

Charged fees or interest I didn't expect

Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.

Can't repay my loan

I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.

Incorrect information on your report

XXXX will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.

Attempts to collect debt not owed

I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.