determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.
False statements or representation	I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.
Incorrect information on your report	I have a account reporting from XXXX XXXX on my Experian Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.
Late fee	I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.
Loan servicing, payments, escrow account	On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.
Struggling to pay mortgage	My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.
Incorrect information on your report	On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
Other transaction problem	Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Disclosure verification of debt	I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
Managing the loan or lease	I opened a joint auto loan accountwith Wells Fargo ten years ago. They have illegally changed and kept changing the last reporting date and account opening date so they can keep this on my record. They are listed twice on all XXXX of my credit reports with ( XXXX, XXXX, and XXXX ), each hit has different dates of opening and last date of report. This is OLD information and should be verified and removed. Account opened in XXXX 2006. was for 72 months long.
Identity theft / Fraud / Embezzlement	I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.
Disclosure verification of debt	FAILED TO VALIDATE DEBT AND WENT ON CREDIT REPORTS IN VIOLATION OF FCRA.
Incorrect information on your report	Chase is reporting Foreclosure on my credit report as well as reporting late payments after it was paid off. My house did not foreclose. This needs to be fixed immediately.
Cont'd attempts collect debt not owed	I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.
Problems when you are unable to pay	Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.
Taking/threatening an illegal action	I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????
Problem with a credit reporting company's investigation into an existing problem	I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Unable to get credit report/credit score	I can not access my Crdit report or scores..
Application, originator, mortgage broker	I filed a TILA rescission letter and the alleged creditor did not file a declatory action within 20 days. I have a state Judge that is ignoring TILA and continuing with the court case. Who enforces TILA? Thank you XXXX XXXX XXXX
Communication tactics	The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. I have no business with J.C. Christensen or any other debt collector.
Problem with a credit reporting company's investigation into an existing problem	The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.
Incorrect information on your report	TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX '' for the collections account in question.
Shopping for a loan or lease	I authorized XXXX XXXX XXXX to make a inquiry on my credit file. The dealership auctioned my car loan out to several financial institutes without my approval. My credit report dropped XXXX points in less that 2 days.
Unable to get your credit report or credit score	Tried to access my credit report for the first time so I can start to build my credit and it is stating my information is n't matching. I have never established credit and know I am entering the correct information I am now concerned my identity has been compromised and need assistance on how I can speak with someone to get this taken care of.
Communication tactics	I made a request in writing to this lender to stop calling me at my home, cell and place of employment but they still continue to call me non stop.
Cont'd attempts collect debt not owed	Deceased parents debt. There was no estate left behind, Global debt collection XXXX XXXX XXXX keeps call me and my sister about this debt.
Unable to get credit report/credit score	I obtained my online free annual reports from XXXX and XXXX on XX/XX/2017. Equifax failed to provide a report.
Incorrect information on your report	I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Incorrect information on credit report	The credit reporting agencies have not removed the XXXX XXXX report from my credit record I open this account in XXXX and I believe it should have been removed in XXXX because of the statue of limitation. We have tried unsuccessfully to remove. This involves all credit reporting agencies and my account number for this is XXXX. Thanks your help is appreciated. XXXX
Incorrect information on your report	4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX in which was deferred as I was a full time student
Fraud or scam	I was befriended by XXXX from XXXX and over the period of XXXX mos from XX/XX/XXXX to XX/XX/XXXX I loaned him {$5000.00} XXXX. He agreed to pay me back but still has not. I contacted him again last week asking him to pay me back and he now refuses.
Dealing with my lender or servicer	I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''
Disclosure verification of debt	Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.
Problems when you are unable to pay	I am one payment behind and spoke with a representive who informed me that Avant will continue to call. This company calls every hour on the hour.
Loan servicing, payments, escrow account	Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care
Trouble during payment process	Im trying to contact them. I used the automated service when it says to hit # 5 for customer service it goes right back to the main menu. It doesnt allow me to go through to customer service. They raised my payment on my escrowaccount and trying to resolve this matter. Im getting extremely frustrated that I cant contact anyone on this matter. Ive called them 4 times in one week. Waited on the phone for 35 mins ....
Incorrect information on your report	XXXX XXXX XXXX XXXX cra violation not mine id theft victim sent po report XXXX
Dealing with your lender or servicer	I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.
Managing an account	I need Bank of America too send the right amount from checkings too XXXX XXXX.
Trouble during payment process	I am currently in a forbearance plan due to unemployment. I have been receiving delinquent tax bills from the state property tax department. I have contacted my lender on numerous occasions. No resolution is being provided to me.
Loan modification,collection,foreclosure	CitiMortgage denied request for modification stating : " Threre was an irreconcilable discrepancy within your application request. '' CitiMortgage is not providing additional information and we have only been reviewed for Citi Supplemental Modification Program. The denial letter was dated XXXX/XXXX/2015.
Loan modification,collection,foreclosure	Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. XXXX.
Incorrect information on credit report	Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.
Cont'd attempts collect debt not owed	Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.
Cont'd attempts collect debt not owed	I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.
Trouble during payment process	I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.
Incorrect information on credit report	I have submitted numerous requests for verification of my accounts with Equifax, XXXX XXXX, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
Application, originator, mortgage broker	We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.
Disclosure verification of debt	Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.
False statements or representation	This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.
Took or threatened to take negative or legal action	I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
Incorrect information on credit report	I have submitted XXXX accounts to Equifax with my police report and notarizes affidavit and will not remove the accounts off my credit. XXXX and XXXX have removed. Equifax will not.
Incorrect information on your report	I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Struggling to pay mortgage	I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.
Incorrect information on credit report	I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.
Incorrect information on credit report	I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.
Incorrect information on credit report	My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.
Communication tactics	This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.
Can't repay my loan	The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.
Problem with a company's investigation into an existing issue	Over the last 3 days, I have contacted TransUnion Fraud department at XXXX. Each time my call is automatically disconnected instead of forwarding to a customer service representative.
False statements or representation	XXXX XXXX XXXX is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.
Problems when you are unable to pay	Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there.
Can't contact lender	I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.
Communication tactics	I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me.
Improper use of your report	Equifax put my credit and financial security at risk by giving access to my personal information without my consent, refusing to offer a sufficient resolution that would make my future credit security safe, and keeping the breach a secret while I was at risk.
Disclosure verification of debt	This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.
Written notification about debt	Received an letter from Collection Bureau of Ft. Walton Beach Inc ( collection agency ) asking to complete medical release form. To my knowledge, I think that's a HIPPA violation and the collection agency should not have access to my medical records.
Struggling to pay your loan	Contacted nearly everyday including my references. Not completely sure how to solve this when unable to pay
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX. And XXXX has never been late
Attempts to collect debt not owed	A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove it?
Making/receiving payments, sending money	My checking account was debited {$1600.00} for a debt I did n't owe nor was I responsible for.
Credit card protection / Debt protection	I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.
Disclosure verification of debt	Company agreed to removed debt from XXXX and XXXX report on XX/XX/XXXX and XX/XX/2016. No longer responsible for debt agreed to remove
Cont'd attempts collect debt not owed	Account was paid as agreed and was never late.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT EXPERIAN 'S SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND EXPERIAN 'S USUALLY ARE BROKEN
Communication tactics	company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly
Incorrect information on your report	I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, eve n thouygh they claim to have no information about me.
Threatened to contact someone or share information improperly	IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.
Incorrect information on your report	I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.
Dealing with my lender or servicer	I believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????
Problem with fraud alerts or security freezes	i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.
Incorrect information on credit report	I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Unable to get credit report/credit score	When I type in my personal information I always get an error message saying the information does n't match the information XXXX
Struggling to pay mortgage	On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.
Dealing with your lender or servicer	I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.
Written notification about debt	A certified letter was sent out and received by the company on XXXX XXXX and XXXX XXXX . The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before XXXX . They have violated the FDCPA and the FCRA of up to {$3000.00} now.
Identity theft / Fraud / Embezzlement	Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.
Improper use of your report	unlawfully add inquiry to my report
Managing an account	I purchased a CD in the amount of {$10000.00} through XXXX XXXX, who was later acquired by JP Morgan Chase Bank. All my accounts checking and savings, were successfully transferred over in this merger except for the CD. Upon my reretirement I inquired to XXXX about my CD twice and was told by times that they did n't know what happened to it. See attached letter, which is a copy of what I sent to XXXX XXXX XXXX for additional information.
Managing an account	They wo n't let me access my money through XXXX
Communication tactics	Threatening calls at Work.
Credit monitoring or identity theft protection services	Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.
Improper use of your report	I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
Written notification about debt	IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA
Managing the loan or lease	Have been making payments since we got the truck in XXXX, and Ally claims they did n't receive 3 months of the payments and repoed our truck. Have sent confirmation emails and bank statements multiple times and they still have n't fixed the problem.
Incorrect information on credit report	I wanted the correct information listed on my credit report as being paid off on my XXXX. Instead the agency deleted it from my report. And still has the defaulted student loans that I no longer have on my credit.
Written notification about debt	This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.
Dealing with my lender or servicer	When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.

Disclosure verification of debt

Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.

False statements or representation

I continued to receive collection notice from NES National Enterprise Systems and XXXX regarding owe XXXX Bank and XXXX XXXX XXXX XXXX XXXX. The XXXX Bank Account was close with me not oweing them any money ( NES National Enterprise XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX I never hear of them nor be to their Office. Please investigate these agency and ensure they are legal company and running their business according to United States Federal Regulations.

Incorrect information on your report

I have a account reporting from XXXX XXXX on my Experian Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.

Late fee

I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.

Loan servicing, payments, escrow account

On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.

Struggling to pay mortgage

My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.

Incorrect information on your report

On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.