determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper contact or sharing of info	My information was shared to a third party.
Problem with a credit reporting company's investigation into an existing problem	I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE
Problems when you are unable to pay	I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.
Charged fees or interest I didn't expect	I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.
Incorrect information on your report	XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.
Cont'd attempts collect debt not owed	I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.
Attempts to collect debt not owed	I received a letter from XXXX XXXX , XXXX dated XXXX XXXX , 2017 stating they represent a EOS USA and that I owe their client {$45.00} on a very old XXXX former XXXX account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Incorrect information on credit report	name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX
Improper use of your report	fraud on my credit report
Problem with a company's investigation into an existing issue	I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Loan servicing, payments, escrow account	My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them
Problem with a lender or other company charging your account	XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}
Getting a credit card	I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.
Incorrect information on your report	I HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.
Incorrect information on your report	I have disputed all of these unauthorized inquiries with all three credit bureaus. XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XX/XX/XXXX Finance
Improper use of my credit report	I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.
Incorrect information on your report	OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
Billing statement	Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.
Cont'd attempts collect debt not owed	While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Incorrect information on your report	Two amounts appear on my credit score under XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks
Improper contact or sharing of info	The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.
Can't repay my loan	I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still
Unable to get credit report/credit score	My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.
Improper use of your report	On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!
Charged fees or interest I didn't expect	Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
Attempts to collect debt not owed	I have made a settlement which was for less than half the balance owed on XXXX XXXX , 2017 and it 's still on my credit report for a different collection agency.
Cont'd attempts collect debt not owed	I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.
Communication tactics	This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.
Incorrect information on credit report	On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.
Managing an account	The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.
Improper use of your report	I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.
Attempts to collect debt not owed	ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.
Can't stop charges to bank account	I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? AND THEY STILL TAKING MONEY FROM MY BANK.
Attempts to collect debt not owed	Afni XXXX XXXX XXXX il XXXX reporting a XXXX XXXX XXXX account from XX/XX/XXXX 2016 to XXXX no account in 2016
Incorrect information on credit report	Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.
Credit reporting company's investigation	Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely XXXX , address only, XXXX XXXX XXXX , XXXX XXXX South Dakota, XXXX . I never had a citi card, only have XXXX credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.
Incorrect information on credit report	I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.
Application, originator, mortgage broker	I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.
Incorrect information on credit report	I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX
Dealing with your lender or servicer	I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.
Attempts to collect debt not owed	This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.
Received a loan I didn't apply for	I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.
Account opening, closing, or management	I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.
Loan modification,collection,foreclosure	Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop
Incorrect information on your report	Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
Improper use of your report	Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.
Disclosure verification of debt	I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.
Cont'd attempts collect debt not owed	I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.
Cont'd attempts collect debt not owed	Over the last year I have contacted Collection Bureau of America three different times via US Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.
Took or threatened to take negative or legal action	On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.
Incorrect information on your report	My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.
Dealing with my lender or servicer	I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.
Disclosure verification of debt	Debt collection company will not provide verification in writing.
Loan servicing, payments, escrow account	Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.
Problem with a credit reporting company's investigation into an existing problem	I tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.
Disclosure verification of debt	I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
Unable to get credit report/credit score	CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.
Incorrect information on your report	I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
Disclosure verification of debt	the debt in question has being pay in full as of XXXX XXXX, 2016
Identity theft / Fraud / Embezzlement	Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.
Credit reporting company's investigation	I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Incorrect information on your report	Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.
Attempts to collect debt not owed	I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015 {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount
Incorrect information on credit report	I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Improper use of your report	Credit plus has pulled my credit score without my permission
Incorrect information on your report	I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account XXXX.
Managing the loan or lease	Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.
Incorrect information on credit report	Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine
Communication tactics	Calls continue up to XXXX times a day, every single day.
Incorrect information on credit report	I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.
Took or threatened to take negative or legal action	They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.
Getting a loan or lease	I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around XXXX.
Incorrect information on your report	Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report
Billing disputes	PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.
Incorrect information on your report	Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.
Can't repay my loan	I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.
Communication tactics	I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.
Disclosure verification of debt	I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's information.
False statements or representation	The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
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.
Account opening, closing, or management	I was approached by us bank about a student loan
Incorrect information on credit report	I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.
Managing an account	I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.
Problem with a credit reporting company's investigation into an existing problem	i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief
Cont'd attempts collect debt not owed	I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.
Incorrect information on credit report	Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.
Problem with a credit reporting company's investigation into an existing problem	XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!
Improper use of my credit report	There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Loan servicing, payments, escrow account	Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX
Improper use of your report	There is a credit inquiry on my XXXX report that I have never seen and did not approve. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Problem with a credit reporting company's investigation into an existing problem	ADVANCED COLLECTION BUR Reporting Debt owed, but " No Contract '' with them.
Communication tactics	Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services
Incorrect information on your report	SOMEONE OPEN UP A XXXX XXXX ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME XXXX XXXX WHICH IS A FEMALE XXXX , I AM XXXX XXXX . I SENT POLICE REPORT TO XXXX AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Managing the loan or lease	Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %
Incorrect information on your report	Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.
Incorrect information on credit report	Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.
Cont'd attempts collect debt not owed	I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.
Credit reporting company's investigation	Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.

Improper contact or sharing of info

My information was shared to a third party.

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

I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Problems when you are unable to pay

I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.

Charged fees or interest I didn't expect

I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.

Incorrect information on your report

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.

Cont'd attempts collect debt not owed

I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.

Attempts to collect debt not owed

I received a letter from XXXX XXXX , XXXX dated XXXX XXXX , 2017 stating they represent a EOS USA and that I owe their client {$45.00} on a very old XXXX former XXXX account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Incorrect information on credit report

name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX

Improper use of your report

fraud on my credit report

Problem with a company's investigation into an existing issue

I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Loan servicing, payments, escrow account

My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them

Problem with a lender or other company charging your account

XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}

Getting a credit card

I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.

Incorrect information on your report

I HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.

Incorrect information on your report

I have disputed all of these unauthorized inquiries with all three credit bureaus. XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XX/XX/XXXX Finance

Improper use of my credit report

I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.

Incorrect information on your report

OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks

Billing statement

Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.

Cont'd attempts collect debt not owed

While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

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

XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

Incorrect information on your report

Two amounts appear on my credit score under XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks

Improper contact or sharing of info

The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.

Can't repay my loan

I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still

Unable to get credit report/credit score

My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.

Improper use of your report

On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!

Charged fees or interest I didn't expect

Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.

Attempts to collect debt not owed

I have made a settlement which was for less than half the balance owed on XXXX XXXX , 2017 and it 's still on my credit report for a different collection agency.

Cont'd attempts collect debt not owed

I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.

Communication tactics

This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.

Incorrect information on credit report

On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.

Managing an account

The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.

Improper use of your report

I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.

Attempts to collect debt not owed

ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.

Can't stop charges to bank account

I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? AND THEY STILL TAKING MONEY FROM MY BANK.

Attempts to collect debt not owed

Afni XXXX XXXX XXXX il XXXX reporting a XXXX XXXX XXXX account from XX/XX/XXXX 2016 to XXXX no account in 2016

Incorrect information on credit report

Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.

Credit reporting company's investigation

Experian reports an open account on my credit report, that I am not aware of. The only information that I have is that it is most likely XXXX , address only, XXXX XXXX XXXX , XXXX XXXX South Dakota, XXXX . I never had a citi card, only have XXXX credit card now, and it is not theirs. It is impossible to talk to a human at experian, and I could get no other information. Not even a telephone number. On the experian report, it shows as open.

Incorrect information on credit report

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.

Application, originator, mortgage broker

I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.

Incorrect information on credit report

I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX

Dealing with your lender or servicer

I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.

Attempts to collect debt not owed

This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.

Received a loan I didn't apply for

I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.

Account opening, closing, or management

I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.

Loan modification,collection,foreclosure

Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop

Incorrect information on your report

Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Improper use of your report

Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.

Disclosure verification of debt

I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.

Cont'd attempts collect debt not owed

I filed a report of identity theft with Identitytheft.gov and with the XXXX police department. I have repeatedly informed Exeter of the fraud but, hey refuse to investigate and will not take the fraudulent account off of my credit report.

Cont'd attempts collect debt not owed

Over the last year I have contacted Collection Bureau of America three different times via US Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.

Took or threatened to take negative or legal action

On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.

Incorrect information on your report

My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.

Dealing with my lender or servicer

I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.

Disclosure verification of debt

Debt collection company will not provide verification in writing.

Loan servicing, payments, escrow account

Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.

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

I tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.

Disclosure verification of debt

I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.

Unable to get credit report/credit score

CREDCO FAILED TO FURNISH MY XXXX CREDIT REPORTS AS REQUESTED ON XX/XX/2012.

Incorrect information on your report

I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.

Disclosure verification of debt

the debt in question has being pay in full as of XXXX XXXX, 2016

Identity theft / Fraud / Embezzlement

Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.

Credit reporting company's investigation

I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.

Incorrect information on your report

Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.

Attempts to collect debt not owed

I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015 {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount

Incorrect information on credit report

I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Improper use of your report

Credit plus has pulled my credit score without my permission

Incorrect information on your report

I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account XXXX.

Managing the loan or lease

Lending Club does not allow payments to be made early. You can make a payment early and reduce balance but does not count as the minimum payment due. All credit card companies allow you to make your minimum payment anytime up to and including the due date. For some odd reason Lending Club does not and offers no explanation other than to change the due date.

Incorrect information on credit report

Equifax continues to list us bankruptcy ct FL XXXX on my credit file This does n't belong to me Not my public record Never mine

Communication tactics

Calls continue up to XXXX times a day, every single day.

Incorrect information on credit report

I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.

Took or threatened to take negative or legal action

They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.

Getting a loan or lease

I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around XXXX.

Incorrect information on your report

Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report

Billing disputes

PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.

Incorrect information on your report

Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.

Can't repay my loan

I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.

Communication tactics

I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.

Disclosure verification of debt

I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's information.

False statements or representation

The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

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.

Account opening, closing, or management

I was approached by us bank about a student loan

Incorrect information on credit report

I was denied renewal of a credit card due to " an adverse account '' as reported by TransUnion. The unpaid account is an electric bill in XXXX. I have lived in XXXX all of my life and could not have incurred an electric bill in XXXX. I have disputed this info twice with TransUnion and they continue to send me this same report.

Managing an account

I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.

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

i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief

Cont'd attempts collect debt not owed

I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.

Incorrect information on credit report

Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.

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

XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

Improper use of my credit report

There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.

Loan servicing, payments, escrow account

Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX

Improper use of your report

There is a credit inquiry on my XXXX report that I have never seen and did not approve. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

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

ADVANCED COLLECTION BUR Reporting Debt owed, but " No Contract '' with them.

Communication tactics

Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services

Incorrect information on your report

SOMEONE OPEN UP A XXXX XXXX ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME XXXX XXXX WHICH IS A FEMALE XXXX , I AM XXXX XXXX . I SENT POLICE REPORT TO XXXX AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

Managing the loan or lease

Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %

Incorrect information on your report

Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.

Incorrect information on credit report

Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.

Cont'd attempts collect debt not owed

I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.

Credit reporting company's investigation

Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.