determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	CMRE. XXXX. {$65.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Disclosure verification of debt	I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.
Incorrect information on credit report	i have always moniture my credit and noticed previous deleted inquries from XXXX somehow because reinserted on XXXX report.
Incorrect information on your report	Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Disclosure verification of debt	I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.
Struggling to pay your loan	XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too
Credit reporting company's investigation	I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Attempts to collect debt not owed	Please delete this off my Credit report ... this account is a ZERO BALANCE.
Attempts to collect debt not owed	I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Trouble during payment process	I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.
Problems when you are unable to pay	Excessive daily calls.
False statements or representation	Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.
Cont'd attempts collect debt not owed	Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.
Attempts to collect debt not owed	I had a {$210.00} debt placed with XXXX XXXX XXXX in XXXX XXXX, original creditor was XXXX. This debt was paid if full in early/mid XXXX. The agency continues to report monthly to XXXX. Although the reporting reflects the {$0.00} balance, there is no reason to the monthly updates to my credit report.
Incorrect information on your report	I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened
Loan modification,collection,foreclosure	I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.
Communication tactics	MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.
Incorrect information on your report	on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.
Credit reporting company's investigation	I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.
Improper use of your report	I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX
Communication tactics	I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!
Communication tactics	left voice mail saying " XXXX '' and making continuous hang up calls
Trouble during payment process	A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.
Cont'd attempts collect debt not owed	keep getting notices on this debt, that was tken care of
Took or threatened to take negative or legal action	I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.
Cont'd attempts collect debt not owed	The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.
Incorrect information on your report	I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.
Closing an account	PayPal has three accounts with my name and telephone number. One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.
Disclosure verification of debt	received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well
Communication tactics	Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account
Incorrect information on your report	In violation of cra act Inaccurate credit reporting All these inquires
Problem with a credit reporting company's investigation into an existing problem	Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.
Problem with a credit reporting company's investigation into an existing problem	I took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.
Loan servicing, payments, escrow account	XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.
Excessive fees	In my understanding how the bill came up to XXXX and something dollars so there 's no way that it should be that amount
Improper use of your report	XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO
Money was not available when promised	I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.
Attempts to collect debt not owed	No contract with this company or its people they claim i owe the debt to.
Threatened to contact someone or share information improperly	On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.
Communication tactics	Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.
Loan servicing, payments, escrow account	XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.
Incorrect information on your report	Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.
Improper use of my credit report	I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
Communication tactics	In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.
False statements or representation	Not a valid debt.
Problems caused by my funds being low	I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.
Improper use of your report	I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX
Managing an account	I use an app callled XXXX XXXX it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d
Getting a credit card	Received unsolicited XXXX with activation instructions at residence on XX/XX/18. Appears to be a legitimate card. Have not applied for any additional cards from any banks in over 1 year.
Loan servicing, payments, escrow account	I paid off my mortgage but my escrow balance has not been returned what should I do?
Problem with a credit reporting company's investigation into an existing problem	Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.
Cont'd attempts collect debt not owed	On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.
Loan servicing, payments, escrow account	Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. Extremely difficult company to work with, and very rude.
Dealing with my lender or servicer	XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.
Incorrect information on credit report	My information and twin brothers information is being included together because our social security numbers are a digit off
Improper use of your report	Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.
Loan servicing, payments, escrow account	My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer
Disclosure verification of debt	National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.
Written notification about debt	I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.
Communication tactics	I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.
Cont'd attempts collect debt not owed	SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..
Attempts to collect debt not owed	On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!
Took or threatened to take negative or legal action	today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,
Problems when you are unable to pay	Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.
Incorrect information on credit report	It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.
Managing the loan or lease	Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.
Closing your account	XXXX Purpose : Please give me my {$370.00} dividend. My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX
Cont'd attempts collect debt not owed	AFNI is trying to collect a debt they bought from XXXX and they are not licensed to operate in my state.
Attempts to collect debt not owed	XXXX XXXX failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to XXXX XXXX . I am now being harassed in writing by Vengroff Williams Inc . I should be removed from this list and not contacted again.
Dealing with my lender or servicer	I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.
Unable to get credit report/credit score	First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. Attached are documents regarding my identification. Thank you
Credit reporting company's investigation	I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Communication tactics	Unable to pay
Other	The promised card benefits ( purchase protection ) was not honored
Incorrect information on your report	I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
False statements or representation	Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.
Incorrect information on your report	I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
Charged fees or interest I didn't expect	Interest charges keep changing. They are getting higher and higher and I am given the run around why this is being charged.
Loan servicing, payments, escrow account	Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.
Credit reporting company's investigation	Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.
Getting a loan or lease	North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.
Loan modification,collection,foreclosure	I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.
Attempts to collect debt not owed	XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent
Fees or interest	Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees
Cont'd attempts collect debt not owed	the debt was paid to XXXX agency, but another agency is trying to collect it now.
Incorrect information on credit report	I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.
Deposits and withdrawals	Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.
Incorrect information on your report	Please remove address XXXX XXXX XXXX XXXX GA XXXX
Incorrect information on credit report	I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.
Incorrect information on credit report	Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.
Credit reporting company's investigation	I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies
False statements or representation	This item is a paid debt and should not be reported as a collection account
Improper contact or sharing of info	Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.
Disclosure verification of debt	I was not notified prior to this collection being placed on my credit report.
Unsolicited issuance of credit card	Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.
Attempts to collect debt not owed	Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. Tracking number : XXXX
Cont'd attempts collect debt not owed	My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.
Incorrect information on credit report	I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance
Cont'd attempts collect debt not owed	I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.
Incorrect information on your report	TransUnion ignored my request in their response letter concerning my dispute on X/XX/2017 . Judgement : XXXX Circuit Court C ase ID : XXXX Under Secti on 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please resolve this issue as soon as possible, thank you.

Cont'd attempts collect debt not owed

CMRE. XXXX. {$65.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Disclosure verification of debt

I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.

Incorrect information on credit report

i have always moniture my credit and noticed previous deleted inquries from XXXX somehow because reinserted on XXXX report.

Incorrect information on your report

Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Disclosure verification of debt

I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.

Struggling to pay your loan

XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too

Credit reporting company's investigation

I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Attempts to collect debt not owed

Please delete this off my Credit report ... this account is a ZERO BALANCE.

Attempts to collect debt not owed

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Trouble during payment process

I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.

Problems when you are unable to pay

Excessive daily calls.

False statements or representation

Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.

Cont'd attempts collect debt not owed

Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.

Attempts to collect debt not owed

I had a {$210.00} debt placed with XXXX XXXX XXXX in XXXX XXXX, original creditor was XXXX. This debt was paid if full in early/mid XXXX. The agency continues to report monthly to XXXX. Although the reporting reflects the {$0.00} balance, there is no reason to the monthly updates to my credit report.

Incorrect information on your report

I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened

Loan modification,collection,foreclosure

I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.

Communication tactics

MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.

Incorrect information on your report

on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

Credit reporting company's investigation

I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.

Improper use of your report

I disputed inquires that was not authorized by me on my credit report and no corrections was made. They did not provide proof to me that the information was being pulled and if I authorized it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX

Communication tactics

I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!

Communication tactics

left voice mail saying " XXXX '' and making continuous hang up calls

Trouble during payment process

A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.

Cont'd attempts collect debt not owed

keep getting notices on this debt, that was tken care of

Took or threatened to take negative or legal action

I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.

Cont'd attempts collect debt not owed

The collection agency, XXXX contacted my father requesting information from him. This is after the debt was disputed and no other communication existed. the name of the collection agent is XXXX, located at XXXX XXXX XXXX, NY XXXX. I disputed this debt several months ago and now they are contacting my father and harrassing him.

Incorrect information on your report

I owe a balance to Bank of America and I have been paying more than the minimum due amount for the past 2 months. The amount showing in my credit score does not reflect the amount that I actually own the bank.

Closing an account

PayPal has three accounts with my name and telephone number. One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.

Disclosure verification of debt

received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well

Communication tactics

Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account

Incorrect information on your report

In violation of cra act Inaccurate credit reporting All these inquires

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

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.

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

I took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.

Loan servicing, payments, escrow account

XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.

Excessive fees

In my understanding how the bill came up to XXXX and something dollars so there 's no way that it should be that amount

Improper use of your report

XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO

Money was not available when promised

I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.

Attempts to collect debt not owed

No contract with this company or its people they claim i owe the debt to.

Threatened to contact someone or share information improperly

On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.

Communication tactics

Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.

Loan servicing, payments, escrow account

XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.

Incorrect information on your report

Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.

Improper use of my credit report

I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

Communication tactics

In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.

False statements or representation

Not a valid debt.

Problems caused by my funds being low

I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.

Improper use of your report

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX

Managing an account

I use an app callled XXXX XXXX it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d

Getting a credit card

Received unsolicited XXXX with activation instructions at residence on XX/XX/18. Appears to be a legitimate card. Have not applied for any additional cards from any banks in over 1 year.

Loan servicing, payments, escrow account

I paid off my mortgage but my escrow balance has not been returned what should I do?

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

Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.

Cont'd attempts collect debt not owed

On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.

Loan servicing, payments, escrow account

Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. Extremely difficult company to work with, and very rude.

Dealing with my lender or servicer

XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.

Incorrect information on credit report

My information and twin brothers information is being included together because our social security numbers are a digit off

Improper use of your report

Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.

Loan servicing, payments, escrow account

My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer

Disclosure verification of debt

National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.

Written notification about debt

I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.

Communication tactics

I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.

Cont'd attempts collect debt not owed

SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..

Attempts to collect debt not owed

On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!

Took or threatened to take negative or legal action

today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,

Problems when you are unable to pay

Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.

Incorrect information on credit report

It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.

Managing the loan or lease

Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.

Closing your account

XXXX Purpose : Please give me my {$370.00} dividend. My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. I 'm sorry I do not speak XXXX too, I need XXXX help Above from : XXXX XXXX

Cont'd attempts collect debt not owed

AFNI is trying to collect a debt they bought from XXXX and they are not licensed to operate in my state.

Attempts to collect debt not owed

XXXX XXXX failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to XXXX XXXX . I am now being harassed in writing by Vengroff Williams Inc . I should be removed from this list and not contacted again.

Dealing with my lender or servicer

I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.

Unable to get credit report/credit score

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. Attached are documents regarding my identification. Thank you

Credit reporting company's investigation

I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you

Communication tactics

Unable to pay

Other

The promised card benefits ( purchase protection ) was not honored

Incorrect information on your report

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.

False statements or representation

Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.

Incorrect information on your report

I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.

Charged fees or interest I didn't expect

Interest charges keep changing. They are getting higher and higher and I am given the run around why this is being charged.

Loan servicing, payments, escrow account

Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.

Credit reporting company's investigation

Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.

Getting a loan or lease

North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.

Loan modification,collection,foreclosure

I believe I am a victim on predatory lending. My loan was transferred to Harrison Finance XXXX and I believe my interest rate and amount increased beyond what my original lender promised me.

Attempts to collect debt not owed

XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent

Fees or interest

Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees

Cont'd attempts collect debt not owed

the debt was paid to XXXX agency, but another agency is trying to collect it now.

Incorrect information on credit report

I was late with paying my electric bill XX/XX/XXXX. I made arrangements in XX/XX/XXXX to get it paid. The electric company, XXXX XXXX, immediately came back and said I was late on {$80.00}, when a ) I was n't, and b ) it 's been paid for, yet the credit report does n't reflect that.

Deposits and withdrawals

Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.

Incorrect information on your report

Please remove address XXXX XXXX XXXX XXXX GA XXXX

Incorrect information on credit report

I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Incorrect information on credit report

Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report.

Credit reporting company's investigation

I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies

False statements or representation

This item is a paid debt and should not be reported as a collection account

Improper contact or sharing of info

Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.

Disclosure verification of debt

I was not notified prior to this collection being placed on my credit report.

Unsolicited issuance of credit card

Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.

Attempts to collect debt not owed

Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. Tracking number : XXXX

Cont'd attempts collect debt not owed

My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.

Incorrect information on credit report

I have a XXXX balance on my account with XXXX XXXX yet reporting as a negative account. I can not pay XXXX balance

Cont'd attempts collect debt not owed

I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.

Incorrect information on your report

TransUnion ignored my request in their response letter concerning my dispute on X/XX/2017 . Judgement : XXXX Circuit Court C ase ID : XXXX Under Secti on 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please resolve this issue as soon as possible, thank you.