determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	XXXX reports my acct past due, this is inaccurate i get no reply from XXXX the credit agencies are ignoring my requests
Incorrect information on credit report	There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.
Cont'd attempts collect debt not owed	I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. XXXX : XXXX
Advertising and marketing, including promotional offers	This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. I am still waiting for my XXXX XXXX XXXX points.
Problems when you are unable to pay	XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.
Attempts to collect debt not owed	CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.
Written notification about debt	I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.
Managing the loan or lease	This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.
Can't repay my loan	I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.
Disclosure verification of debt	Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws
Unable to get credit report/credit score	Said the information I gave was incorrect
Incorrect information on your report	My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Cont'd attempts collect debt not owed	Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).
Written notification about debt	Please see : Complaint # XXXX placed to cfpb on XXXX /2017.. At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my XXXX report. I contacted bo th ARS and XXXX by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to get a Home Equity Loan.
Delinquent account	Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request
Incorrect information on your report	I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Account opening, closing, or management	Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.
Account opening, closing, or management	Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.
Improper use of your report	Equifax shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.
Incorrect information on credit report	Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.
Problem with a credit reporting company's investigation into an existing problem	I sent a dispute on X/X/2017 and never received an update. It 's well over the 30 days they have to respond.The status still shows pending. The confirmation number for the dispute is XXXX .
Incorrect information on credit report	Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.
Incorrect information on credit report	My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.
Problem with fraud alerts or security freezes	I applied for a credit card with XXXX XXXX and they use Trans Union to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. They have asked me to contact TU to findout why my credit file is negative and I have received no response from them. Can you please help me with this matter.
Incorrect information on credit report	The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX
Improper use of your report	I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
Fees or interest	I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.
Cont'd attempts collect debt not owed	This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!
Cont'd attempts collect debt not owed	I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.
Fees	I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.
Getting a credit card	All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.
Improper use of your report	I HAVE BEEN A VICTIM of TRANSUNION AND XXXX AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX AND WILL WORK ON XXXX BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
Problem with a credit reporting company's investigation into an existing problem	CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS VIOLATION.
Communication tactics	I have a small medical bill ... .I sent a partial payment to medical financial solutions after receiving DAILY calls from them ... on the bill and on the check I requested they stop calling me ... .it has n't stopped even though they cashed the check ... ..I want the call to end
Incorrect information on credit report	there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. XXXX and Equifax reporting these accounts. they need to be removed..
Dealing with my lender or servicer	Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. This is for a XXXX loan for XXXX university XXXX.
Improper use of your report	Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.
Incorrect information on credit report	When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.
Dealing with my lender or servicer	My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.
Overdraft, savings or rewards features	bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate
Attempts to collect debt not owed	This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.
Attempts to collect debt not owed	MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.
Incorrect information on your report	I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
Taking/threatening an illegal action	Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.
Struggling to pay your loan	Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed
Incorrect information on your report	Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.
Closing your account	I want to close all of my XXXX XXXX bank accounts and XXXX accounts please
Delinquent account	I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.
Improper use of your report	i have seen hard inquiry for certain lenders with out my permission
Improper contact or sharing of info	This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.
Incorrect information on credit report	Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.
Credit reporting company's investigation	I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Problem getting a card or closing an account	I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three months and missed payments on a number of bills due to this issue
Incorrect information on credit report	There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.
Cont'd attempts collect debt not owed	Collector keeps calling me on a fraud account that is not mine
Fees or interest	The Penalty fee is too much. For only 4 days of late payment. Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]
Cont'd attempts collect debt not owed	On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.
Cont'd attempts collect debt not owed	Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt
Attempts to collect debt not owed	XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.
Incorrect information on credit report	Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.
Managing the loan or lease	I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!
Cont'd attempts collect debt not owed	This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.
False statements or representation	The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.
Incorrect information on credit report	XXXX XXXX XXXX, dispute its still under investigation 5 month as of today
Problem with a lender or other company charging your account	In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.
False statements or representation	Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''
Credit reporting company's investigation	I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.
Written notification about debt	CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Incorrect information on your report	XXXX Violation- noty mine accounts are inaccurate PO report XXXX No knowledge
Loan servicing, payments, escrow account	Complaint XXXX of XXXX Shellpoint Mortgage. On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.
Improper use of your report	On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.
Delinquent account	Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).
Struggling to pay mortgage	They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.
Problem with a credit reporting company's investigation into an existing problem	Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Incorrect information on your report	my account is in error which is reporting 30 days late for XXXX 2017.
Incorrect information on your report	XXXX XXXX -fraudulent XXXX XXXX XXXX - XXXX -fraudulent XXXX XXXX fraudulent XXXX XXXX XXXX -wrong in formation never late account in forbearance.
Can't repay my loan	I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.
Unable to get credit report/credit score	for three months TransUnion has not been able to give me credit score
Cont'd attempts collect debt not owed	THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT
Can't contact lender	I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.
Improper use of your report	I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
Managing, opening, or closing your mobile wallet account	On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.
Incorrect information on your report	XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Incorrect information on credit report	please refer to case # XXXX for a brief history and enclosed documentation
Managing the loan or lease	I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.
Disclosure verification of debt	i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet
Incorrect information on your report	Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts
Communication tactics	Medical debt that I did n't expect to have since I had my medical insurance
Incorrect information on your report	1 ) Trans u nion is still reporting my BK filed in X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file. 2 ) Inquires not authorized by me are on my file and should be removed and have not been removed. 3 ) Dis puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You XXXX XXXX
Improper use of your report	I did not authorize the following inquiries that are listed on my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Cont'd attempts collect debt not owed	repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX.
Communication tactics	The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).
Incorrect information on your report	All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
Improper use of your report	I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
Incorrect information on credit report	IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT IT REMOVED.
Loan modification,collection,foreclosure	Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.
Dealing with my lender or servicer	The payment optionms is to expensive when asking for deferrment.
Attempts to collect debt not owed	My wallet was stolen around the same time this account was open. I have 2 collections in result of this.
Incorrect information on your report	CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,

Incorrect information on your report

XXXX reports my acct past due, this is inaccurate i get no reply from XXXX the credit agencies are ignoring my requests

Incorrect information on credit report

There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.

Cont'd attempts collect debt not owed

I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. XXXX : XXXX

Advertising and marketing, including promotional offers

This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. I am still waiting for my XXXX XXXX XXXX points.

Problems when you are unable to pay

XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.

Attempts to collect debt not owed

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.

Written notification about debt

I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.

Managing the loan or lease

This is my second complaint towards Synchrony Bank ( aka. Care Credit ). They are again miss applying my payments and calling me saying I am behind on my account. I pay every 2 weeks without fail. I tried to talk to the person on the other end of the phone but they either did n't understand what I was saying or did n't want to hear what I had to say. I should be ahead by XXXX or more payments at this time and there should not be any reason for them to call me.

Can't repay my loan

I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.

Disclosure verification of debt

Commonwealth Financial only recently has placed a collection on my credit report in which this does not belong to me, as I have not had any medical done in more than 4 years. I have never been notified of this debt, shown validation of this debt and just all the sudden showed up on my credit when there has not been one thing prior about this on my report. This is fraudulent and against Fair Credit laws

Unable to get credit report/credit score

Said the information I gave was incorrect

Incorrect information on your report

My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Cont'd attempts collect debt not owed

Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).

Written notification about debt

Please see : Complaint # XXXX placed to cfpb on XXXX /2017.. At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my XXXX report. I contacted bo th ARS and XXXX by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to get a Home Equity Loan.

Delinquent account

Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request

Incorrect information on your report

I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Account opening, closing, or management

Wells Fargos teller deposited a check made payable to me into a dealerships account without my notice or my signature. Please see the attached letter that I have sent as a final means of communication to Wells Fargo to stop the harrassment, roughly 10-15 calls a day and anywhere from XXXX-XXXX.

Account opening, closing, or management

Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.

Improper use of your report

Equifax shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.

Incorrect information on credit report

Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.

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

I sent a dispute on X/X/2017 and never received an update. It 's well over the 30 days they have to respond.The status still shows pending. The confirmation number for the dispute is XXXX .

Incorrect information on credit report

Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.

Incorrect information on credit report

My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.

Problem with fraud alerts or security freezes

I applied for a credit card with XXXX XXXX and they use Trans Union to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. They have asked me to contact TU to findout why my credit file is negative and I have received no response from them. Can you please help me with this matter.

Incorrect information on credit report

The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX

Improper use of your report

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.

Fees or interest

I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.

Cont'd attempts collect debt not owed

This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!

Cont'd attempts collect debt not owed

I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.

Fees

I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.

Getting a credit card

All the customer service numbers listed for this card will not allow me to talk to anyone until I activate it. I do n't want the card, and will not activate it. I want to know why they sent it to me when I never requested this card.

Improper use of your report

I HAVE BEEN A VICTIM of TRANSUNION AND XXXX AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX AND WILL WORK ON XXXX BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL

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

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS VIOLATION.

Communication tactics

I have a small medical bill ... .I sent a partial payment to medical financial solutions after receiving DAILY calls from them ... on the bill and on the check I requested they stop calling me ... .it has n't stopped even though they cashed the check ... ..I want the call to end

Incorrect information on credit report

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. XXXX reported XXXX XXXX XXXX balance XXXX .. from 13 years ago.. creditor closed my account was never late. XXXXcard- bal o reported 11 years ago XXXX XXXX XX/XX/XXXX card was stolen .. closed still on report. never late. XXXX and Equifax reporting these accounts. they need to be removed..

Dealing with my lender or servicer

Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. This is for a XXXX loan for XXXX university XXXX.

Improper use of your report

Equifax 's data breach has released my personal information to unknown parties due to the companies lacking protection of my personal information. I have placed a 90 day fraud alert on my reports, but the company has been unresponsive ( Website down, phone numbers busy or disconnecting ) since I had learned of the company 's loss of my personal data.

Incorrect information on credit report

When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.

Dealing with my lender or servicer

My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.

Overdraft, savings or rewards features

bank of XXXX mail me my rebate card, lost it bank of XXXX says its the XXXX who gave the rebate

Attempts to collect debt not owed

This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.

Attempts to collect debt not owed

MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.

Incorrect information on your report

I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

Taking/threatening an illegal action

Despite the statute of limitations having expired in XXXX 2014, XXXX continues to publish derogatory reports to the Credit Reporting Agencies. Their collection agency, Jefferson Capital, has been told that their claim is time-barred, and they can no longer collect, but they continue to publish negative reports in an attempt to defame my credit.

Struggling to pay your loan

Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed

Incorrect information on your report

Hello, There are certain hard inquiries on my credit report which I have not authorized. I contacted Equifax and they told me that they will dispute but never did.

Closing your account

I want to close all of my XXXX XXXX bank accounts and XXXX accounts please

Delinquent account

I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.

Improper use of your report

i have seen hard inquiry for certain lenders with out my permission

Improper contact or sharing of info

This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.

Incorrect information on credit report

Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.

Credit reporting company's investigation

I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX

Problem getting a card or closing an account

I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three months and missed payments on a number of bills due to this issue

Incorrect information on credit report

There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.

Cont'd attempts collect debt not owed

Collector keeps calling me on a fraud account that is not mine

Fees or interest

The Penalty fee is too much. For only 4 days of late payment. Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]

Cont'd attempts collect debt not owed

On XX/XX/2017, received a letter from XXXX stating it was representing Aargon Agency Inc in the collection of {$190.00} owed to XXXX. Business has never been conducted with any of the named entities.

Cont'd attempts collect debt not owed

Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt

Attempts to collect debt not owed

XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.

Incorrect information on credit report

Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.

Managing the loan or lease

I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!

Cont'd attempts collect debt not owed

This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.

False statements or representation

The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.

Incorrect information on credit report

XXXX XXXX XXXX, dispute its still under investigation 5 month as of today

Problem with a lender or other company charging your account

In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.

False statements or representation

Convergent collections posted false and damaging information on my credit report, alleging debt to a company I have never done business with. Also convergent never contacted me by phone or mail regarding this " debt '' to even give me a chance to dispute it before they posted it to my credit report. Also there is no contact information on my credit report for me to contact convergent " collections ''

Credit reporting company's investigation

I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.

Written notification about debt

CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Incorrect information on your report

XXXX Violation- noty mine accounts are inaccurate PO report XXXX No knowledge

Loan servicing, payments, escrow account

Complaint XXXX of XXXX Shellpoint Mortgage. On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.

Improper use of your report

On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.

Delinquent account

Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).

Struggling to pay mortgage

They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.

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

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

Incorrect information on your report

my account is in error which is reporting 30 days late for XXXX 2017.

Incorrect information on your report

XXXX XXXX -fraudulent XXXX XXXX XXXX - XXXX -fraudulent XXXX XXXX fraudulent XXXX XXXX XXXX -wrong in formation never late account in forbearance.

Can't repay my loan

I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.

Unable to get credit report/credit score

for three months TransUnion has not been able to give me credit score

Cont'd attempts collect debt not owed

THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT

Can't contact lender

I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.

Improper use of your report

I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Managing, opening, or closing your mobile wallet account

On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.

Incorrect information on your report

XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT

Incorrect information on credit report

please refer to case # XXXX for a brief history and enclosed documentation

Managing the loan or lease

I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.

Disclosure verification of debt

i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet

Incorrect information on your report

Debt owed to the collection agency has been paid in full and the credit agency us still showing balances and open accounts

Communication tactics

Medical debt that I did n't expect to have since I had my medical insurance

Incorrect information on your report

1 ) Trans u nion is still reporting my BK filed in X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file. 2 ) Inquires not authorized by me are on my file and should be removed and have not been removed. 3 ) Dis puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You XXXX XXXX

Improper use of your report

I did not authorize the following inquiries that are listed on my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Cont'd attempts collect debt not owed

repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX.

Communication tactics

The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).

Incorrect information on your report

All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

Improper use of your report

I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan

Incorrect information on credit report

IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT IT REMOVED.

Loan modification,collection,foreclosure

Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.

Dealing with my lender or servicer

The payment optionms is to expensive when asking for deferrment.

Attempts to collect debt not owed

My wallet was stolen around the same time this account was open. I have 2 collections in result of this.

Incorrect information on your report

CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,