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Application, originator, mortgage broker
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Client Number XXXX - Issue refinance to a low rate. Current rate 5.6 % Blocked from refinancing my home. Last year sold and investment property and paid down XXXX worth of debt. My credits score was at XXXX. For the last year I have paid all bills on time. See my credit report. My credit score is at XXXX. NO REASON. XXXX said serious delinquency on bills paid in 2011.
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Incorrect information on credit report
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I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
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Incorrect information on your report
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I have sent letters out multiple times and nothing has been done to address my issues.
I have not received any correspondence from the bureaus.
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Credit line increase/decrease
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On XXXX occasions within the last XXXX months, my credit card company reduced by credit limit by the amount in which I paid down my credit card balance, causing me to continuously have a high ratio and negatively affecting my credit score. For example, with a balance of {$700.00} I paid {$100.00} and my credit limit was reduced to {$600.00}. Recently, I paid my balance down to {$390.00} and my credit limit was reduced to {$400.00}.
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Credit decision / Underwriting
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Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company.
XXXX XXXX
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Account opening, closing, or management
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I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX
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Problems when you are unable to pay
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It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!
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Incorrect information on credit report
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XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time
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Incorrect information on your report
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On XXXX XXXX I was informed that lj Ross and associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.
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Improper use of my credit report
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15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them.
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.
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Incorrect information on credit report
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Equifax is refusing to remove or adaquatly investigate information that was previously deleted from credit report and that was agreed by collection agency to be removed. They are both XXXX XXXX XXXX. Both are satisfied and were removed from credit report and now are reappearing and should be removed. They are not reporting accurate information.
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Incorrect information on credit report
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I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?
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Getting a credit card
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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 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.
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Took or threatened to take negative or legal action
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First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!
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Applying for a mortgage or refinancing an existing mortgage
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Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact
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Improper use of your report
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Due to inadequate security and monitoring measures, the company Equifax permitted my credit information and the credit information of my wife to fall in the hands of bad actors. This misuse of my credit information has caused worry, potential future fraud, and very likely identity theft by the bad actors.
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Loan servicing, payments, escrow account
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I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late.
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Cont'd attempts collect debt not owed
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XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.
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Attempts to collect debt not owed
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XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.
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Communication tactics
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A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX XXXX , 2016 Opened Date XXXX {$320.00}. I contacted the creditor and was told that this contract was cancelled. XXXX XXXX 2016 , Opened Date. XXXX XXXX {$610.00}. I was told that i was no longer liable for this credit line.
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Account opening, closing, or management
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exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.
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Attempts to collect debt not owed
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Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.
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Loan servicing, payments, escrow account
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My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
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Attempts to collect debt not owed
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I received a Summons XX/XX/XXXX from XXXX XXXX/JCP for a debt that I was listed as the authorize user, after the passing of the primary cardholder we inform XXXX/JCP of his passing in which I was inform that the debt is mine, and then it was listed on my credit report, on XX/XX/XXXX at XXXX supporting documents was fax to CFPB. Case # ( XXXX ).
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Disclosure verification of debt
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I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
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Can't repay my loan
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I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.
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Unauthorized transactions/trans. issues
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I Deposit {$520.00} XXXX XXXX Ref Num XXXX To Loud My RushCard XXXX On XXXX/XXXX/15 XXXX My Acc Balance Is {$0.00} Custumer Service Is Not Avelable ( not one XXXX number is working I Ca n't Access to No Rep ) I Do n't Have Access To My Money Day 7 With No Access To My Money XXXX/XXXX/15 XXXX
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Adding money
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My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!
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Advertising and marketing, including promotional offers
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I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.
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Communication tactics
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I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.
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Dealing with your lender or servicer
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Navient has decided to send all communication to me electronically in an attempt to steal from me and put me in default. I told them I want all communications to be in writing and to not contact me via email in any way. Navient is also miscalculating the amount due on my loan. The last statement is incorrect.
Account number XXXX
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Incorrect information on your report
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I have sent Certified letters to all XXXX credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
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Improper use of your report
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I have three accounts on my experian report that are not mine 1 XXXX XXXX 2 XXXX XXXX 3 Bankruptcy
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Advertising
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The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit XXXX points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising. Chase also sends the same thing in the mail
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Rewards
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I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.
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Problem with a credit reporting company's investigation into an existing problem
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I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.
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Incorrect information on credit report
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I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
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Customer service / Customer relations
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I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.
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Unable to get credit report/credit score
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Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.
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Advertising and marketing
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Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.
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Communication tactics
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XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!
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Cont'd attempts collect debt not owed
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Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.
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Taking/threatening an illegal action
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Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.
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Late fee
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Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again.
DO NOT OPEN a MACY 's CREDIT CARD.
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Threatened to contact someone or share information improperly
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On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.
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Identity theft / Fraud / Embezzlement
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I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.
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Disclosure verification of debt
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Green tree is attempting to reage a debt older than 7 years and has posted this debt to my credit report without a notice to dispute the debt.
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Charged fees or interest you didn't expect
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701 % APR interest charged on a {$1200.00} loan
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Communication tactics
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All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?
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Credit reporting company's investigation
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Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..
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Incorrect information on your report
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hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation XXXX included with showing a late everything i sent to everyone equifax breach has cost me my life
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Incorrect information on your report
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XXXX XXXX # XXXX {$600.00} No contract with creditor you have already had this removed and it reapperared as same account under new name.
Unauthorized inquiry XXXX XXXX V/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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Cont'd attempts collect debt not owed
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Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end.
the call is from XXXX reference # XXXX my phone number is XXXX
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Incorrect information on credit report
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EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX
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Incorrect information on credit report
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Experian reinserted the XXXX XXXX XXXX Account to my credit report. I have not received notice from this collection agency. They did not send me a dunning letter informing me that they were attempting to collect a debt. This is in direct violation of my consumer rights. Experian did not notify as well within 5 days of reinserting this item. This item should be deleted immediately.
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Loan modification,collection,foreclosure
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We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.
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Incorrect information on your report
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Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
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Struggling to pay mortgage
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I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months.
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose?
We like we have been XXXX and humiliated?
Lets be clear I DID it because I wanted to lower my house note.
Please advise!!!!!!!!!!!!!!!!!!!
XXXX XXXX XXXXXXXXXXXX XXXX
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Closing/Cancelling account
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I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.
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Managing an account
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I was shorted XXXX XXXX points on my XX/XX/2017 statement.
I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply.
On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ...
I was then told by Citibank to contact XXXX. Again, I never received a reply.
Please explain why I was shorted on my account by return letter to my account address.
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APR or interest rate
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I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?
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Incorrect/missing disclosures or info
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While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.
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Improper use of your report
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XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.
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Incorrect information on your report
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BMW financial services is reporting me 30 days delinquent for my XXXX XXXX XXXX payment. I made this payment and it withdrew from my account on XXXX . Less than 30 calendar days later. It was due on XXXX and posted to their account on XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.
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Disclosure verification of debt
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While doing an extensive search of this company. I found out that their license has expired in the state of MD and majority of their offices are closed. The address listed on my credit report is not the same address listed in the search results.
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Cont'd attempts collect debt not owed
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I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they report.
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Written notification about debt
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I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment
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Incorrect information on credit report
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My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of XX/XX/XXXX.
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Cont'd attempts collect debt not owed
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Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.
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Incorrect information on your report
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First of all my last name is XXXX not XXXX. I have never worked for XXXX or premiere. So that needs to come off my credit report.
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Cont'd attempts collect debt not owed
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Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid
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Took or threatened to take negative or legal action
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I originally felt that I had to pay this, but have since been informed that medical debt is n't supposed to go to collections. Plus it 's been 6 years and it 's still effecting my credit score negatively.
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Getting a credit card
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There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis XXXX CC over the past year or so. <P/> We notified the company many months ago and this has occurred more times including as last as XXXX XXXX XXXX
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Incorrect information on your report
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Navy Federal is reporting to XXXX that I 'm late In XXXX and XXXX XXXX on a line of credit that was opened in XXXX XXXX XXXX by XXXX XXXX I did not know XXXX , XXXX XXXX , I never signed for a line of credit, I met XXXX XXXX XXXX XXXX and much later on became a user on his account. I have called and also disputed this online and sent a fax on XX/XX/XXXX and they refuse to remove it.
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Incorrect information on credit report
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on XX/XX/XXXX I checked my credit report and all my inquiries were deleted. I logged in today an all of the inquires are back amd my score went down
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Attempts to collect debt not owed
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I am a victim of identity theft. I am writing to request that Transunion Consumer Relations block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
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False statements or representation
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This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.
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Incorrect information on credit report
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In 2013 I filed a identity theft report with all XXXX credit reporting agents. they removed all items that where in dispute. I recently had items come up around the same time 2013. equifax and trans wont remove the items with a police report and ftc complaint number saying that the items belong to me after they removed them for year. there are items that do n't even match my social and they wont remove I ask for help.
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Cont'd attempts collect debt not owed
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Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.
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Credit reporting company's investigation
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I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible
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Dealing with your lender or servicer
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XXXX has switched loan service providers from XXXX to XXXX XXXX. I am being charged NSF fees for no reason. My bank account has been the same since the transition. XXXX XXXX customer service has told me they can not do anything about it ; XXXX must resolve this situation. Their customer service is mediocre at best. They are difficult to reach and very dismissive. I would like the fees to be waived.
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Incorrect information on credit report
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Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document
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Cont'd attempts collect debt not owed
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I was having installment payments withdrawn from my banking account by the original creditor ( XXXX, XXXX. ) concerning debt in question.
XXXX, XXXX. has unethically, unfairly, and fruadulently reported unwarranted debt information to Northlands Group Inc. concerning my account.
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Credit reporting company's investigation
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I received a credit report from Experian on XXXX/XXXX/2015 stating the items I deputed has been deleted from my credit report. Then I received a credit report on XXXX/XXXX/2015 saying that the items has been updated or remains. Without reasoning or explanation I think this is unfair practices of Experian.
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Deposits and withdrawals
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Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke
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Managing the loan or lease
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I am writing to dispute U.S Auto Finance Account Number : XXXX on credit report number from XXXX, and XXXX, XXXX. The validity of the debt has not been proving/ and unverified. This vehicle was sold in an auction the balance listed on my credit report is incorrect. Please delete the account as they are in violation of my consumer rights under FDCPA..
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Cont'd attempts collect debt not owed
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I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.
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Incorrect information on credit report
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Paid the bill but someone stole my cards and used it without my permission.
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Cont'd attempts collect debt not owed
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they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.
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Loan modification,collection,foreclosure
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Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.
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Improper use of your report
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Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store!
XX/XX/XXXX{$650.00} Paid off in store!
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
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Incorrect information on your report
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Account Name XXXX XXXX XXXX XXXX Account # XXXX Account is over 7 years old and should be removed from Experian.
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Improper use of your report
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There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.
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Incorrect information on your report
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XXXX XXXX XXXX is reporting that has been released
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Loan modification,collection,foreclosure
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My name is XXXX XXXX purchased a home back in 2007, with national city mortgage, ( now PNC ) since then i have had some hardship, i have appy for assistances for last two years, no help.I wrote a letter asking who own my mortgage.They never responsed to my letter.I need some help because my mortgage is about to go up.I really do not want to lose my home. Thanks
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Can't repay my loan
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Loan from XXXX University and I have never attended school there. A duplicate loan from XXXX XXXX College made after I left. XXXX semester, XXXX classes and XXXX {$5900.00} dollar loans. XXXX at the beginning of the semester and XXXX after I had left the school. Only the first XXXX is legitimate and has been paid.
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Opening an account
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I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.
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Written notification about debt
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I got an alert from my credit bureaus that a debt was reported. I have no ideal what this debt is for and I Never receiving anything in writing system that I owe this debt with this collection agency. My FCRA rights have been Violated as, 1- I never received any Notice in Written from this company about this debt.
2- I was never given an opportunity to dispute this debt.
3- This has reporting to the credit bureaus and it is in accurate.
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Applying for a mortgage or refinancing an existing mortgage
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a mortgage refi was wrongfully denied, via age discrimination,
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