determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Applying for a mortgage or refinancing an existing mortgage	EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Settlement process and costs	Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,
Billing disputes	I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.
Other features, terms, or problems	I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.
Incorrect information on your report	the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.
Loan servicing, payments, escrow account	Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.
Attempts to collect debt not owed	There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.
Communication tactics	Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.
Incorrect information on credit report	I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP
Communication tactics	They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.
Cont'd attempts collect debt not owed	Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX
Account opening, closing, or management	Bank of America will wave the monthly bank account account fee if {$250.00} of new charges are made to the associated credit card. They have not been waving the fee and now state that new charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.
Dealing with my lender or servicer	These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.
Incorrect information on credit report	Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.
False statements or representation	GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.
Took or threatened to take negative or legal action	Experian is reporting inaccurate information and I want them to removed immediately
Loan modification,collection,foreclosure	we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.
Problem with a purchase shown on your statement	XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX
Incorrect information on credit report	its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX
Incorrect information on credit report	They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.
Problem with a credit reporting company's investigation into an existing problem	With regard to complaint XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from XXXX XXXX , and not only is at least one of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.
Incorrect information on your report	please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting thank you
Adding money	My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.
Communication tactics	I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.
Credit reporting company's investigation	My identity was stolen and this company sent me a letter refusing to block information but has not responded to my request for a request for the results of the investigation. I doubt an investigation was even done.
Improper contact or sharing of info	I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.
Disclosure verification of debt	Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
Attempts to collect debt not owed	The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.
Communication tactics	Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.
Delinquent account	There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.
Other	Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.
Incorrect information on credit report	please removed from credit report affecting my credit score
Incorrect information on credit report	Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?
Communication tactics	Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.
Balance transfer	In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.
Communication tactics	Company said it was a law firm threatening to legal action but this is a debt collection company that uses the most ruthless and obscene tactics Calling family members Threatening to Sue You over small debts in collection This is just a debt collection company
Loan servicing, payments, escrow account	Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.
Incorrect information on your report	XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.
Loan servicing, payments, escrow account	EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.
Getting a credit card	I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.
Managing an account	They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. I just got this account. What should i do?
Problem with a credit reporting company's investigation into an existing problem	I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016
Problem with a credit reporting company's investigation into an existing problem	I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17
Incorrect information on credit report	XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Getting a credit card	I received a " XXXX Credit Card '' issued by TD Bank. I never applied for this card!
Disclosure verification of debt	Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.
Cont'd attempts collect debt not owed	I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.
Managing, opening, or closing account	A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.
Managing the loan or lease	Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank
Opening an account	Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.
Cont'd attempts collect debt not owed	A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.
Communication tactics	Between XXXX and XXXX on XX/XX/2017 I have received 6 calls on my cell phone, 6 calls on my house phone, 2 or 3 to my husbands cell phone and one to my work phone that I know of. ( This is everyday, just not my work phone ) My work phone is the last straw. I am one payment behind. Onemain Financial XXXX. They will call me from this number, my local branch and other branch numbers, or a XXXX number. They only leave a massage once or twice on each line a day.
Threatened to contact someone or share information improperly	I have judgment hurting my ability to get a job. I am in a debtor prison, I am not gainfully employed. Pyod and Hunt and Henriques are unfai r as you can the summons was not even stamped by clerk. They refused to attend hearing to work out issues in court
Deposits and withdrawals	A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.
Problem caused by your funds being low	OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} PURCHASE AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX CARD XXXX {$17.00} cra violation i never wanted over draft protection
Incorrect information on your report	This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Getting a credit card	I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.
Communication tactics	They are calling me around XXXX p.m. in violation of applicable law.
Credit reporting company's investigation	Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here
Incorrect information on credit report	Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. In XXXX, the XXXX XXXX was paid within 30 days.
Incorrect information on your report	XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. XXXX XXXX - I am an authorized user. Account does not belong to me. XXXX fraud never had an account with either company. I wasn't even XXXX. XXXX account fraud this account does not belong to me.
Cont'd attempts collect debt not owed	{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}
Improper use of your report	Inquiry I never authorized and I was not aware of. This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Cont'd attempts collect debt not owed	Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.
Cont'd attempts collect debt not owed	I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )
Incorrect information on credit report	I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.
Improper use of your report	I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Cont'd attempts collect debt not owed	I paid {$9000.00} out of a XXXX to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing 1st.
Problem with fraud alerts or security freezes	I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Problems when you are unable to pay	I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them
Improper use of your report	I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.
Taking/threatening an illegal action	The debt is over 10 years old and they threaten to sue me
Incorrect information on your report	On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
Credit line increase/decrease	Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.
Trouble during payment process	The PMI was not automatically removed from my account when it reached the 78 % LTV ra tio. The origional loan amount was for {$190000.00}. On XXXX / XXXX / 2016 the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.
Dealing with my lender or servicer	I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit
Incorrect information on credit report	Equifax is wrongly reporting the following collection that was settled. They need to remove it from my credit report pronto. XXXX XXXX XXXX, 2015 Open {$1200.00}
Disclosure verification of debt	National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim
Dealing with my lender or servicer	Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX
Communication tactics	I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.
Dealing with my lender or servicer	I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.
Unauthorized transactions or other transaction problem	I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.
False statements or representation	I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.
Attempts to collect debt not owed	I was charged for damages on an apartment. I paid within a few months. 9 months go by after that and I get another statement. The collection agency never notified the apartment company and my credit score dropped significantly.
Struggling to pay your bill	Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.
Loan modification,collection,foreclosure	I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing
Incorrect information on credit report	The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # XXXX
Incorrect information on credit report	Midland Funding is in accurately reporting an account with XXXX XXXX that is not mine. This account was disputed with creditor as well as the credit Bureaus. I have also yet to find a bond on file for said company for the state of illinois which is required to lawfully collect debt in this State.
Charged fees or interest I didn't expect	When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan
Unauthorized transactions/trans. issues	I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. XXXX XXXX Worried
Communication tactics	This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.
Incorrect information on credit report	experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.
Written notification about debt	I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.
Dealing with your lender or servicer	Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.
Identity theft / Fraud / Embezzlement	THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.
Cont'd attempts collect debt not owed	I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else
Problem with a purchase shown on your statement	I received a charge for {$300.00} on XXXX from XXXX XXXX to which was an unauthorized charge. I called chase bank and informed them of this charge. They issued me out a new bank card and tried to recover the funds but was unsuccessful I which is why I 'm filing this dispute to try to recover charges.
Incorrect information on your report	Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.
Incorrect information on credit report	My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it.
Disclosure verification of debt	Threatening me with serving of papers. Will not provide me with written validation notice.

Applying for a mortgage or refinancing an existing mortgage

EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Settlement process and costs

Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,

Billing disputes

I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.

Other features, terms, or problems

I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.

Incorrect information on your report

the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Loan servicing, payments, escrow account

Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.

Attempts to collect debt not owed

There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.

Communication tactics

Calling XXXX a day for well over a month and leaves blank voicemails most of the time. I sent a certified letter asking for proof of the debt and to stop ALL communications until this has been done. So far that letter has been completely ignored which is why I am contacting you. They are not only calling me, but also other people that I know which have nothing to do with anything loan related.

Incorrect information on credit report

I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP

Communication tactics

They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.

Cont'd attempts collect debt not owed

Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX

Account opening, closing, or management

Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.

Dealing with my lender or servicer

These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.

Incorrect information on credit report

Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.

False statements or representation

GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.

Took or threatened to take negative or legal action

Experian is reporting inaccurate information and I want them to removed immediately

Loan modification,collection,foreclosure

we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.

Problem with a purchase shown on your statement

XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX

Incorrect information on credit report

its said I have a outstanding balance dated XXXX XXXX XXXX when I was incarcerated from XXXX XXXX XXXX to XXXX XXXX XXXX

Incorrect information on credit report

They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.

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

With regard to complaint XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from XXXX XXXX , and not only is at least one of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.

Incorrect information on your report

please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except experian and i have attached the same letter over and over again, i have also verified with the creditor XXXX XXXX and they have sent the notification many times please have experian change their reporting thank you

Adding money

My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.

Communication tactics

I acted a payment arrangement with these people on XX/XX/2016 account XXXX and made all payments on time ... these people are reporting FALSE information about me to the world wide WEB that I am late ... Please assist me with this matter.

Credit reporting company's investigation

My identity was stolen and this company sent me a letter refusing to block information but has not responded to my request for a request for the results of the investigation. I doubt an investigation was even done.

Improper contact or sharing of info

I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.

Disclosure verification of debt

Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!

Attempts to collect debt not owed

The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.

Communication tactics

Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.

Delinquent account

There is a judgement against me by wells fargo bank. however on XXXX/XXXX/2016 Wells fargo took my entire check of {$2600.00} and left me with nothing in my account. I 'm a XXXX and single parent and have no way of getting extra money to feed my family and pay my bills. I 'm wiling to make payment arrangement with wells fargo.

Other

Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

Incorrect information on credit report

please removed from credit report affecting my credit score

Incorrect information on credit report

Just would like to know why after paying bills on time for over 30 years and worked hard all my life to achieve a perfect credit score it seems this objective is impossible to reach? My credit score is very good but is it even possible to achieve a perfect score?

Communication tactics

Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.

Balance transfer

In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.

Communication tactics

Company said it was a law firm threatening to legal action but this is a debt collection company that uses the most ruthless and obscene tactics Calling family members Threatening to Sue You over small debts in collection This is just a debt collection company

Loan servicing, payments, escrow account

Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.

Incorrect information on your report

XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Loan servicing, payments, escrow account

EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.

Getting a credit card

I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.

Managing an account

They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. I just got this account. What should i do?

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

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016

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

I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

Incorrect information on credit report

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Getting a credit card

I received a " XXXX Credit Card '' issued by TD Bank. I never applied for this card!

Disclosure verification of debt

Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.

Cont'd attempts collect debt not owed

I do recall owing this money to XXXX. I turned in all of the equipment when I changed service. I 'm just not sure I left a balance. If in fact you do find that I do still owe them I would like to make arrangements to settle.

Managing, opening, or closing account

A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.

Managing the loan or lease

Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank

Opening an account

Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/XXXX.

Cont'd attempts collect debt not owed

A company in XXXX, NY continues to call my house every day. I called back XXXX times and spoke to reps and confirmed they have the wrong number and would remove my phone number from their call list. Well they never removed the number and continue to harass. I spoke to a supervisor, XXXX XXXX and was informed they would remove my number.

Communication tactics

Between XXXX and XXXX on XX/XX/2017 I have received 6 calls on my cell phone, 6 calls on my house phone, 2 or 3 to my husbands cell phone and one to my work phone that I know of. ( This is everyday, just not my work phone ) My work phone is the last straw. I am one payment behind. Onemain Financial XXXX. They will call me from this number, my local branch and other branch numbers, or a XXXX number. They only leave a massage once or twice on each line a day.

Threatened to contact someone or share information improperly

I have judgment hurting my ability to get a job. I am in a debtor prison, I am not gainfully employed. Pyod and Hunt and Henriques are unfai r as you can the summons was not even stamped by clerk. They refused to attend hearing to work out issues in court

Deposits and withdrawals

A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.

Problem caused by your funds being low

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} PURCHASE AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX TX XXXX CARD XXXX {$17.00} cra violation i never wanted over draft protection

Incorrect information on your report

This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Getting a credit card

I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.

Communication tactics

They are calling me around XXXX p.m. in violation of applicable law.

Credit reporting company's investigation

Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here

Incorrect information on credit report

Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. In XXXX, the XXXX XXXX was paid within 30 days.

Incorrect information on your report

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. XXXX XXXX - I am an authorized user. Account does not belong to me. XXXX fraud never had an account with either company. I wasn't even XXXX. XXXX account fraud this account does not belong to me.

Cont'd attempts collect debt not owed

{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}

Improper use of your report

Inquiry I never authorized and I was not aware of. This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX

Cont'd attempts collect debt not owed

Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.

Cont'd attempts collect debt not owed

I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )

Incorrect information on credit report

I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.

Improper use of your report

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Cont'd attempts collect debt not owed

I paid {$9000.00} out of a XXXX to " settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing 1st.

Problem with fraud alerts or security freezes

I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

Problems when you are unable to pay

I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them

Improper use of your report

I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.

Taking/threatening an illegal action

The debt is over 10 years old and they threaten to sue me

Incorrect information on your report

On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.

Credit line increase/decrease

Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.

Trouble during payment process

The PMI was not automatically removed from my account when it reached the 78 % LTV ra tio. The origional loan amount was for {$190000.00}. On XXXX / XXXX / 2016 the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.

Dealing with my lender or servicer

I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit

Incorrect information on credit report

Equifax is wrongly reporting the following collection that was settled. They need to remove it from my credit report pronto. XXXX XXXX XXXX, 2015 Open {$1200.00}

Disclosure verification of debt

National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim

Dealing with my lender or servicer

Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX

Communication tactics

I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.

Dealing with my lender or servicer

I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.

Unauthorized transactions or other transaction problem

I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.

False statements or representation

I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.

Attempts to collect debt not owed

I was charged for damages on an apartment. I paid within a few months. 9 months go by after that and I get another statement. The collection agency never notified the apartment company and my credit score dropped significantly.

Struggling to pay your bill

Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.

Loan modification,collection,foreclosure

I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing

Incorrect information on credit report

The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # XXXX

Incorrect information on credit report

Midland Funding is in accurately reporting an account with XXXX XXXX that is not mine. This account was disputed with creditor as well as the credit Bureaus. I have also yet to find a bond on file for said company for the state of illinois which is required to lawfully collect debt in this State.

Charged fees or interest I didn't expect

When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan

Unauthorized transactions/trans. issues

I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. XXXX XXXX Worried

Communication tactics

This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.

Incorrect information on credit report

experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.

Written notification about debt

I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.

Dealing with your lender or servicer

Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.

Identity theft / Fraud / Embezzlement

THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.

Cont'd attempts collect debt not owed

I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else

Problem with a purchase shown on your statement

I received a charge for {$300.00} on XXXX from XXXX XXXX to which was an unauthorized charge. I called chase bank and informed them of this charge. They issued me out a new bank card and tried to recover the funds but was unsuccessful I which is why I 'm filing this dispute to try to recover charges.

Incorrect information on your report

Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.

Incorrect information on credit report

My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it.

Disclosure verification of debt

Threatening me with serving of papers. Will not provide me with written validation notice.