determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved
Unsolicited issuance of credit card	On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.
Communication tactics	M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.
Loan servicing, payments, escrow account	I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.
Can't contact lender	This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan
Cont'd attempts collect debt not owed	Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.
Credit card protection / Debt protection	Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.
Dealing with my lender or servicer	I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account
Incorrect information on credit report	I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.
Improper use of your report	My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.
Trouble during payment process	I already issued a complaint. The case # was XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.
Payment to acct not credited	I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.
Getting a credit card	It was denying my application for credit card from Chase Bank I have saving account and checking account How that was receiving credit card from different bank and the credit company
Improper contact or sharing of info	A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job
Dealing with my lender or servicer	I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?
Disclosure verification of debt	Called my cell phone multiple tmes that is on the do not call list without my permission. Wouldnt verify debt amount Wouldnt provide proof of the debt
Billing disputes	I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX
Charged fees or interest I didn't expect	I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.
Applying for a mortgage or refinancing an existing mortgage	I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and Contour is refu sing to release the appraisal. I had the new compa ny ( XXXX XXXX XXXX ) reach out to them and see if they could get it released and they are still refusing to release the appraisal.
Incorrect information on credit report	I have XXXX late payments reflected from XXXX bank which are in error. They were suppose to take the money out on automatic payments which they did not. This derogatory information is listed on my credit report and should not be there.
Payment to acct not credited	I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!
Incorrect information on your report	XXXX XXXX XXXX XXXX show me being late on payment s 180+ d ays from XXXX XXXX through XXXX XXXX - That account was closed and paid in full in early XXXX
Incorrect information on credit report	I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.
Delinquent account	Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.
Incorrect information on credit report	i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.
Incorrect information on credit report	I have an account on my Transunion that was removed and has returned. XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016
Fraud or scam	I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.
Communication tactics	X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
Incorrect information on your report	I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}
Taking/threatening an illegal action	Debt Collector threatened to hire an attorney to come after me for my debt.
Cont'd attempts collect debt not owed	I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.
Incorrect information on credit report	There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.
Incorrect information on credit report	Information is not correct
Problem with a lender or other company charging your account	I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.
Attempts to collect debt not owed	JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.
Incorrect information on credit report	Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member
Improper contact or sharing of info	First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection
Dealing with my lender or servicer	My student loans are handled by Navient I am on a fixed interest rate. in the last 10 years my payments have gone up twice. approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. I have records of my payment history.
Improper use of your report	I have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Loan servicing, payments, escrow account	Bank of America has failed to comply with repeated requests for a loan pay-off statement. Bank of America has blocked me from their website for information regarding my mortgage status. Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.
Disclosure verification of debt	Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.
Written notification about debt	I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,
False statements or representation	I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX
Communication tactics	At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.
Incorrect information on your report	Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.
Improper use of your report	I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Cont'd attempts collect debt not owed	I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Other	This debt is from 2007 and it has been 10 years since this debt was acquired. I believe this exceeds the statute of limitations in the state of California.
Communication tactics	Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX
Written notification about debt	I have a Capital One account, and they put a 30 day and a 60 day late on my record for in 2012 for only {$50.00} of mispayment, due to my address changed, I 've paid all of it back and they did not attempt to collect from me. instead they put a negative to my score.
Improper use of your report	A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
Trouble during payment process	I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.
Incorrect information on your report	XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Loan modification,collection,foreclosure	Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.
Cont'd attempts collect debt not owed	I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....
Incorrect information on credit report	Social security is is not correct ca n't get my credit score bacause of that Please correct error
Disclosure verification of debt	The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.
Incorrect information on your report	they are reporting late payments when the shouldnt and refuses to make the correctiions
Incorrect information on credit report	Debt reported is not mines. Account not verified.
Credit reporting company's investigation	I have been cleaning on my credit for over XXXX years. I have made all payments like clockwork to repair my credit after our crops failed and lost our company. I found a few errors on my report such as a noticeable XXXX XXXX XXXX stating that I opened and account in 2012. I did not. But, Equifax claims that it investigated. Funny how they ruled for the collection people in every case. Please help
Communication tactics	I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.
Attempts to collect debt not owed	We paid off on X/XX/15 through XXXX XXXX
Closing/Cancelling account	I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!
Cont'd attempts collect debt not owed	XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.
Disclosure verification of debt	ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing
Account opening, closing, or management	Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.
Getting a credit card	My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Written notification about debt	There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.
Problem with a credit reporting company's investigation into an existing problem	I mailed out to Experian to add my Release of Lien via Document number XXXX by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Rewards	I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Loan modification,collection,foreclosure	I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification
False statements or representation	This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
Cont'd attempts collect debt not owed	I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?
Account opening, closing, or management	i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.
Threatened to contact someone or share information improperly	In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
Threatened to contact someone or share information improperly	I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.
Dealing with my lender or servicer	Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.
False statements or representation	Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.
Problem with fraud alerts or security freezes	As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.
Loan modification,collection,foreclosure	I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Communication tactics	THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.
Billing disputes	I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.
Incorrect information on your report	My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Deposits and withdrawals	I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. It has got to be against the law for them to post a check on the day before the actual posting occurred.
Incorrect information on credit report	XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.
Credit reporting company's investigation	this company has kept XXXX of my accounts in dispute for 14 months.
Taking/threatening an illegal action	The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.
False statements or representation	When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.
Improper use of my credit report	The marketing companies only said they would take me off, but thought I was interested in offers.
Incorrect information on credit report	There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX
Communication tactics	This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods
Incorrect information on credit report	This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.
Cont'd attempts collect debt not owed	Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified
Incorrect information on your report	XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted. To this day I have heard nothing, and my credit file continues to show that I owe on this account.
Delinquent account	I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing
Loan servicing, payments, escrow account	MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . can not VALIDATE my loan # XXXX.
Closing your account	Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX XXXX has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.

Incorrect information on credit report

XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved

Unsolicited issuance of credit card

On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.

Communication tactics

M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.

Loan servicing, payments, escrow account

I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.

Can't contact lender

This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan

Cont'd attempts collect debt not owed

Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.

Credit card protection / Debt protection

Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.

Dealing with my lender or servicer

I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account

Incorrect information on credit report

I have paid off debt to XXXX XXXX. courts acct. number XXXX AND XXXX XXXX ACCT. NUMBER XXXX AND XXXX XXXX ( XXXX XXXX XXXX ) ACCT. NUMBER XXXX .THESS ACCOUNTS REMAIN ON MY CREDIT REPORT AS NEGATIVE.

Improper use of your report

My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.

Trouble during payment process

I already issued a complaint. The case # was XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.

Payment to acct not credited

I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.

Getting a credit card

It was denying my application for credit card from Chase Bank I have saving account and checking account How that was receiving credit card from different bank and the credit company

Improper contact or sharing of info

A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job

Dealing with my lender or servicer

I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?

Disclosure verification of debt

Called my cell phone multiple tmes that is on the do not call list without my permission. Wouldnt verify debt amount Wouldnt provide proof of the debt

Billing disputes

I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX

Charged fees or interest I didn't expect

I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store.

Applying for a mortgage or refinancing an existing mortgage

I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and Contour is refu sing to release the appraisal. I had the new compa ny ( XXXX XXXX XXXX ) reach out to them and see if they could get it released and they are still refusing to release the appraisal.

Incorrect information on credit report

I have XXXX late payments reflected from XXXX bank which are in error. They were suppose to take the money out on automatic payments which they did not. This derogatory information is listed on my credit report and should not be there.

Payment to acct not credited

I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!

Incorrect information on your report

XXXX XXXX XXXX XXXX show me being late on payment s 180+ d ays from XXXX XXXX through XXXX XXXX - That account was closed and paid in full in early XXXX

Incorrect information on credit report

I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.

Delinquent account

Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.

Incorrect information on credit report

i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.

Incorrect information on credit report

I have an account on my Transunion that was removed and has returned. XXXX : XXXX XXXX $ XXXX- removed XX/XX/2016

Fraud or scam

I do not want complaint ID # XXXX closed until you can provide both signatures from the two different transactions I made to XXXX XXXX. When you can show proof of both signatures and they are the same then you can close the case but until then I want this investigated.

Communication tactics

X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Incorrect information on your report

I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}

Taking/threatening an illegal action

Debt Collector threatened to hire an attorney to come after me for my debt.

Cont'd attempts collect debt not owed

I am continuing to receive calls from a collection agency after notifying them that I am not responsible for the utility charges they allege. I also called the company that they are collecting for and learned that company does not use this collection agency nor do they have my name filed under any service. I believe it is a scam.

Incorrect information on credit report

There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.

Incorrect information on credit report

Information is not correct

Problem with a lender or other company charging your account

I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.

Attempts to collect debt not owed

JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.

Incorrect information on credit report

Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member

Improper contact or sharing of info

First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection

Dealing with my lender or servicer

My student loans are handled by Navient I am on a fixed interest rate. in the last 10 years my payments have gone up twice. approximately 60 of my payments have had nothing go toward principal I calculated roughly {$44000.00} paid in 10 years with only approximately {$3000.00} - {$4000.00} going towards the loan. I have records of my payment history.

Improper use of your report

I have an unauthorized credit inquiry from XXXX XXXX XXXX dated XX/XX/2017.

Incorrect information on your report

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

Loan servicing, payments, escrow account

Bank of America has failed to comply with repeated requests for a loan pay-off statement. Bank of America has blocked me from their website for information regarding my mortgage status. Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.

Disclosure verification of debt

Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.

Written notification about debt

I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,

False statements or representation

I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX

Communication tactics

At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.

Incorrect information on your report

Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

Improper use of your report

I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

Cont'd attempts collect debt not owed

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Other

This debt is from 2007 and it has been 10 years since this debt was acquired. I believe this exceeds the statute of limitations in the state of California.

Communication tactics

Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX

Written notification about debt

I have a Capital One account, and they put a 30 day and a 60 day late on my record for in 2012 for only {$50.00} of mispayment, due to my address changed, I 've paid all of it back and they did not attempt to collect from me. instead they put a negative to my score.

Improper use of your report

A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.

Trouble during payment process

I got a mortgage with Green Tree 20 years ago and the amount I owe today is the same. The new name is Ditech.

Incorrect information on your report

XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score

Loan modification,collection,foreclosure

Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.

Cont'd attempts collect debt not owed

I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....

Incorrect information on credit report

Social security is is not correct ca n't get my credit score bacause of that Please correct error

Disclosure verification of debt

The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute.

Incorrect information on your report

they are reporting late payments when the shouldnt and refuses to make the correctiions

Incorrect information on credit report

Debt reported is not mines. Account not verified.

Credit reporting company's investigation

I have been cleaning on my credit for over XXXX years. I have made all payments like clockwork to repair my credit after our crops failed and lost our company. I found a few errors on my report such as a noticeable XXXX XXXX XXXX stating that I opened and account in 2012. I did not. But, Equifax claims that it investigated. Funny how they ruled for the collection people in every case. Please help

Communication tactics

I have been called XXXX by a debt collection agency at my place of work for the debt that my daughter is supposed to owe. The person acknowledges that I do not owe them a debt, but wants to contact her and that is why I am being called. I am registered on the do not call list. I told the debt collector, XXXX XXXX that he would be reported to the FTC. He was unhappy when he heard that.

Attempts to collect debt not owed

We paid off on X/XX/15 through XXXX XXXX

Closing/Cancelling account

I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!

Cont'd attempts collect debt not owed

XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.

Disclosure verification of debt

ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing

Account opening, closing, or management

Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.

Getting a credit card

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

Written notification about debt

There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.

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

I mailed out to Experian to add my Release of Lien via Document number XXXX by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.

Rewards

I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Loan modification,collection,foreclosure

I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification

False statements or representation

This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.

Cont'd attempts collect debt not owed

I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?

Account opening, closing, or management

i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.

Threatened to contact someone or share information improperly

In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.

Threatened to contact someone or share information improperly

I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.

Dealing with my lender or servicer

Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.

False statements or representation

Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.

Problem with fraud alerts or security freezes

As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.

Loan modification,collection,foreclosure

I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

Communication tactics

THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.

Billing disputes

I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.

Incorrect information on your report

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Deposits and withdrawals

I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. It has got to be against the law for them to post a check on the day before the actual posting occurred.

Incorrect information on credit report

XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank you.

Credit reporting company's investigation

this company has kept XXXX of my accounts in dispute for 14 months.

Taking/threatening an illegal action

The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.

False statements or representation

When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.

Improper use of my credit report

The marketing companies only said they would take me off, but thought I was interested in offers.

Incorrect information on credit report

There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX

Communication tactics

This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Incorrect information on credit report

This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.

Cont'd attempts collect debt not owed

Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified

Incorrect information on your report

XX/XX/XXXX mailed check for balance listed on credit report : {$310.00} Called several times to check the receipt of the payment. Contacted attorney for cashed check proof it was emailed to me. XX/XX/XXXX emailed proof of cashed check to XXXX XXXX to # XXXX XX/XX/XXXX sent an email to XXXX as directed with all proofs that I had previously submitted. To this day I have heard nothing, and my credit file continues to show that I owe on this account.

Delinquent account

I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing

Loan servicing, payments, escrow account

MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . can not VALIDATE my loan # XXXX.

Closing your account

Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX XXXX has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.