determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	I have worked for the same company for 17 years. City for XXXX, XXXX XXXX. They are same Employer, City of XXXX IL.
Problem with a credit reporting company's investigation into an existing problem	On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.
Account opening, closing, or management	I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.
Incorrect information on credit report	My yonger sister bad credit is on my credit.
Communication tactics	Continue to call me and another number XXXX. saying I will be taken to jail etc
Improper use of your report	Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD
Unable to get your credit report or credit score	I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.
Loan modification,collection,foreclosure	I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. I am requesting a new loan modification review and a new pay off statement.
Managing an account	Pnc Bank not sending account information to XXXX.
Communication tactics	Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX
Incorrect information on credit report	My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Incorrect information on credit report	The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Incorrect information on your report	XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. Can you please get this fixed for me? Thank you, XXXX XXXX XXXX
Incorrect information on your report	My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Cont'd attempts collect debt not owed	Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this
Cont'd attempts collect debt not owed	This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.
Incorrect information on credit report	I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items
Problem with a credit reporting company's investigation into an existing problem	I finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.
Improper use of your report	I have an inquiry on my credit report that I did not authorize.
Written notification about debt	Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.
Getting a credit card	Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.
Problems caused by my funds being low	Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.
Struggling to pay mortgage	Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Loan servicing, payments, escrow account	our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.
Loan servicing, payments, escrow account	I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.
Problems when you are unable to pay	extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.
Cont'd attempts collect debt not owed	I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX
Communication tactics	IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )
Improper use of your report	Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them
Improper use of your report	Equifax shared my personal data and info allowing identity theft
Cont'd attempts collect debt not owed	I got a call requesting my ss # and birthday for a debt which I know nothing about.
Incorrect information on credit report	Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Other features, terms, or problems	THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD
Incorrect information on your report	I am a victim of identity theft and I have XXXX accounts and 4 hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, XXXX XXXXXXXX XXXX, XXXX Consumer affairs, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX
Incorrect information on your report	Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as XXXX XXXX , XXXX and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.
Incorrect information on credit report	Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.
Incorrect information on your report	XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
Cont'd attempts collect debt not owed	This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
Problem with fraud alerts or security freezes	REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Sale of account	My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.
Incorrect information on credit report	There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX
Incorrect information on your report	My XXXX Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.
Disclosure verification of debt	Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me
Fees or interest	I signed up for a Care Credit card to help pay a XXXX bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.
Other	Looking over my credit report, I noticed there was still an account reporting on there. The account was paid and closed back in XXXX 2006
Attempts to collect debt not owed	Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.
Fraud or scam	My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.
Communication tactics	well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.
Deposits and withdrawals	I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.
Fraud or scam	During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..
Incorrect information on your report	On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.
Incorrect information on credit report	XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.
Cont'd attempts collect debt not owed	This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.
Problem with a credit reporting company's investigation into an existing problem	Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.
Other	I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.
Incorrect information on credit report	I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.
Incorrect information on your report	I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Disclosure verification of debt	I have written requesting legal validation and received no response
Dealing with my lender or servicer	XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.
Managing the loan or lease	Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.
Incorrect information on your report	Transunion and XXXX reporting as a balance is owed for The XXXX XXXX XXXX
Fraud or scam	Rushcard is not giving me access to my funds. And my account is showing a negative balance. It 's been weeks. Customer service has hung up on me numerous times after I was on hold for over an hr each time I 've called. I finally got through and was told they had no idea when I would get my money. I 've filed email complaints and received XXXX different " ticket numbers '' and have n't gotten a respond in over a week. Basically I 'm not getting any answers.
Incorrect information on your report	I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. thx! XXXX XXXX
Improper contact or sharing of info	XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.
Incorrect information on your report	I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the XXXX different credit bureau to verified my inaccurate information they just issue a fuard alert
Unable to get credit report/credit score	Unable to receive my free annual credit report from experian.
Incorrect information on your report	I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate
Disclosure verification of debt	On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.
Attempts to collect debt not owed	Repeated calls from a company for an unknown person through my telephone number. I have spoken to a representative and stated that they are calling a wrong number but calls persist. The offending company is calling from XXXX.
Incorrect information on your report	My account balances are not reporting correctly on a few of my accounts in my credit file.
Cont'd attempts collect debt not owed	I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.
Incorrect information on your report	I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.
Improper use of your report	I reviewed my EQUIFAX Credit Report on XXXX and noticed a HARD INQUIRY from XXXX . I did not request or authorize anything from this company. I sent a certified letter on XXXX ( XXXX ) to have this removed and I have never received a response and it is still on my credit report. I want this removed.
Fraud or scam	I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.
Incorrect information on credit report	XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.
Problem with a credit reporting company's investigation into an existing problem	On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.
Cont'd attempts collect debt not owed	I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.
Customer service / Customer relations	Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported.
Incorrect information on credit report	I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.
Money was not available when promised	The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX
Incorrect information on credit report	TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.
Incorrect information on credit report	Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Incorrect information on credit report	I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
Managing the loan or lease	I have fell behind on payments and began to pay late. I noticed no matter how much I payed the balance never goes down. I called and I was told that the reason why was because all my payments were going to late fees. When I asked what the late fees were I was told between $ XXXX {$11.00} a day. I feel as that is illegal and falls under usury. <P/>I have spoken with them and let them know of my concerns and I was told they can set the late fees as they please.
False statements or representation	On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.
Problem with a credit reporting company's investigation into an existing problem	JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Attempts to collect debt not owed	Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
Incorrect information on credit report	court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.
Cont'd attempts collect debt not owed	Unknown account listed on my credit file which I disputed and no response. Please help
Incorrect information on your report	According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.
Problem with fraud alerts or security freezes	As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.
Problem with a credit reporting company's investigation into an existing problem	Sent Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.
Improper use of my credit report	There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation
Attempts to collect debt not owed	I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.
Incorrect information on your report	They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you
Managing the loan or lease	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014
False statements or representation	XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
Communication tactics	Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016
Improper contact or sharing of info	This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.
Incorrect information on credit report	My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.

Incorrect information on credit report

I have worked for the same company for 17 years. City for XXXX, XXXX XXXX. They are same Employer, City of XXXX IL.

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

On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.

Account opening, closing, or management

I was locked out of my checking and savings accounts with Navy Federal for failure to pay enough on my credit card bill. I was unable to access any of my money while XXXX and unable to work and fell behind without access to my accounts. I was told I could not access it until enough had been paid on my credit card and no access in two years.

Incorrect information on credit report

My yonger sister bad credit is on my credit.

Communication tactics

Continue to call me and another number XXXX. saying I will be taken to jail etc

Improper use of your report

Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD

Unable to get your credit report or credit score

I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

Loan modification,collection,foreclosure

I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. I am requesting a new loan modification review and a new pay off statement.

Managing an account

Pnc Bank not sending account information to XXXX.

Communication tactics

Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX

Incorrect information on credit report

My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Incorrect information on credit report

The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Incorrect information on your report

XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. Can you please get this fixed for me? Thank you, XXXX XXXX XXXX

Incorrect information on your report

My identity was stolen and multiple account were opened in my name. I reached out to XXXX XXXX XXXX to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.

Cont'd attempts collect debt not owed

Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this

Cont'd attempts collect debt not owed

This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.

Incorrect information on credit report

I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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

I finally found my BK papers, so TransUnion has nowhere to hide. XXXX XXXX was on my bk like I said before.

Improper use of your report

I have an inquiry on my credit report that I did not authorize.

Written notification about debt

Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.

Getting a credit card

Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.

Problems caused by my funds being low

Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.

Struggling to pay mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Loan servicing, payments, escrow account

our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.

Loan servicing, payments, escrow account

I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.

Problems when you are unable to pay

extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.

Cont'd attempts collect debt not owed

I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX

Communication tactics

IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )

Improper use of your report

Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them

Improper use of your report

Equifax shared my personal data and info allowing identity theft

Cont'd attempts collect debt not owed

I got a call requesting my ss # and birthday for a debt which I know nothing about.

Incorrect information on credit report

Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

Other features, terms, or problems

THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD

Incorrect information on your report

I am a victim of identity theft and I have XXXX accounts and 4 hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, XXXX XXXXXXXX XXXX, XXXX Consumer affairs, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX

Incorrect information on your report

Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as XXXX XXXX , XXXX and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.

Incorrect information on credit report

Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.

Incorrect information on your report

XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

Cont'd attempts collect debt not owed

This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.

Problem with fraud alerts or security freezes

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

Sale of account

My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

Incorrect information on credit report

There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX

Incorrect information on your report

My XXXX Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

Disclosure verification of debt

Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me

Fees or interest

I signed up for a Care Credit card to help pay a XXXX bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.

Other

Looking over my credit report, I noticed there was still an account reporting on there. The account was paid and closed back in XXXX 2006

Attempts to collect debt not owed

Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.

Fraud or scam

My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.

Communication tactics

well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.

Deposits and withdrawals

I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.

Fraud or scam

During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..

Incorrect information on your report

On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.

Incorrect information on credit report

XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.

Cont'd attempts collect debt not owed

This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.

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

Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Other

I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.

Incorrect information on credit report

I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.

Incorrect information on your report

I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX

Disclosure verification of debt

I have written requesting legal validation and received no response

Dealing with my lender or servicer

XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.

Managing the loan or lease

Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.

Incorrect information on your report

Transunion and XXXX reporting as a balance is owed for The XXXX XXXX XXXX

Fraud or scam

Rushcard is not giving me access to my funds. And my account is showing a negative balance. It 's been weeks. Customer service has hung up on me numerous times after I was on hold for over an hr each time I 've called. I finally got through and was told they had no idea when I would get my money. I 've filed email complaints and received XXXX different " ticket numbers '' and have n't gotten a respond in over a week. Basically I 'm not getting any answers.

Incorrect information on your report

I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. thx! XXXX XXXX

Improper contact or sharing of info

XXXX continuously calls me concerning an amount I owe. They call every day, even on weekends. The calls begin early and have continued as late as XXXX. This is interfering with work and time with my family.

Incorrect information on your report

I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the XXXX different credit bureau to verified my inaccurate information they just issue a fuard alert

Unable to get credit report/credit score

Unable to receive my free annual credit report from experian.

Incorrect information on your report

I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate

Disclosure verification of debt

On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.

Attempts to collect debt not owed

Repeated calls from a company for an unknown person through my telephone number. I have spoken to a representative and stated that they are calling a wrong number but calls persist. The offending company is calling from XXXX.

Incorrect information on your report

My account balances are not reporting correctly on a few of my accounts in my credit file.

Cont'd attempts collect debt not owed

I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.

Incorrect information on your report

I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.

Improper use of your report

I reviewed my EQUIFAX Credit Report on XXXX and noticed a HARD INQUIRY from XXXX . I did not request or authorize anything from this company. I sent a certified letter on XXXX ( XXXX ) to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Fraud or scam

I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.

Incorrect information on credit report

XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.

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

On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.

Cont'd attempts collect debt not owed

I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.

Customer service / Customer relations

Citibank has a XXXX day late payment that they are reporting to the credit agencies from 2013. I have been a customer for XXXX years and have never had a payment go out after XXXX days. It was sent and postmarked prior to the XXXX days that they reported.

Incorrect information on credit report

I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.

Money was not available when promised

The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX

Incorrect information on credit report

TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.

Incorrect information on credit report

Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Incorrect information on credit report

I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

Managing the loan or lease

I have fell behind on payments and began to pay late. I noticed no matter how much I payed the balance never goes down. I called and I was told that the reason why was because all my payments were going to late fees. When I asked what the late fees were I was told between $ XXXX {$11.00} a day. I feel as that is illegal and falls under usury. <P/>I have spoken with them and let them know of my concerns and I was told they can set the late fees as they please.

False statements or representation

On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.

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

JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

Attempts to collect debt not owed

Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.

Incorrect information on credit report

court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.

Cont'd attempts collect debt not owed

Unknown account listed on my credit file which I disputed and no response. Please help

Incorrect information on your report

According to my XXXX XXXX, XXXX credit reports, TD Bank/Target card is still reporting to XXXX & XXXX negatively. They have updated the payment status of my account on XX/XX/XXXX as " Late & bad debt placed for collection & skip ''. This account was paid XXXX XXXX. For the months of XXXX through XXXX payment history is being reported as " Failed to Pay ''. This information is Inaccurate.

Problem with fraud alerts or security freezes

As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.

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

Sent Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.

Improper use of my credit report

There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation

Attempts to collect debt not owed

I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.

Incorrect information on your report

They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you

Managing the loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014

False statements or representation

XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.

Communication tactics

Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016

Improper contact or sharing of info

This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.

Incorrect information on credit report

My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.