determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan servicing, payments, escrow account	I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.
Credit monitoring or identity theft protection services	Equifax unsafely stored my data and as a result it was stolen.
Incorrect information on your report	Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there
Attempts to collect debt not owed	This company I disputed due to same happens with a XXXX XXXXXXXX card
Incorrect information on credit report	There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP
Cont'd attempts collect debt not owed	A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.
Communication tactics	Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime
Incorrect information on credit report	Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. Thank you
Incorrect information on your report	XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.
Closing/Cancelling account	I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.
Problem with a credit reporting company's investigation into an existing problem	CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!
Credit monitoring or identity theft protection services	Ive tried contacting them to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Incorrect information on credit report	Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.
Incorrect information on credit report	Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.
APR or interest rate	Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.
Problem with a purchase shown on your statement	I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. .
Incorrect information on your report	I have tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my credit.
Cont'd attempts collect debt not owed	This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false
Can't repay my loan	I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.
Loan modification,collection,foreclosure	Been trying over two years to get a loan modification.
Loan modification,collection,foreclosure	I applied for a modification with Nation star mortgage since XXXX 2015, but unfortunately no modification was approve even do. I show more income in application and the current loan is interest only, with a rate and payment increase in the following months. I believe Nation star Mortgage is not practicing fair business with me.
Written notification about debt	There are XXXX medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY XXXX FOR {$1600.00} XXXX {$63.00} XXXX {$58.00}
Problem with customer service	Alpha Mortgage calls my cell phone repeatedly and I do not do business with this company and have no idea how they got my cell phone number. I registered my cell with the do not call registry when the law was passed and I am sick of getting their calls.
Written notification about debt	I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.
Incorrect information on your report	please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. experian needs to remove right away instead of disputing this account. thank you for your cooperation
Managing the loan or lease	Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.
Dealing with your lender or servicer	I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.
Problem with fraud alerts or security freezes	Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Incorrect information on your report	Bankruptcies and tax liens & judgment that are incorrect.
Incorrect information on your report	In XXXX a tax lien was filed against me in XXXX County Superior Court. Th is tax lien was released in XXXX and should have been removed from my file 7 years from the date of filing ( which would have been XXXX XXXX , XXXX ). Both Transunion and XXXX are refusing to remove this from my credit report.
Payoff process	I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.
Incorrect information on your report	I have notified this company, and have gave them signed affidavit, advising them that this is not my account.
Incorrect information on credit report	There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.
Loan servicing, payments, escrow account	I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.
Incorrect information on credit report	Equifax credit reporting agency is reporting inaccurate information on my credit report. The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.
Attempts to collect debt not owed	This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.
Problem with a credit reporting company's investigation into an existing problem	On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.
Incorrect information on credit report	I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...
Problem with a credit reporting company's investigation into an existing problem	Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.
Disclosure verification of debt	I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Cont'd attempts collect debt not owed	Bank of America. {$36000.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Billing statement	Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.
Incorrect information on credit report	Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.
Deposits and withdrawals	Citibank breaches information. Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. My big concern is : does any Citibank customers see my information like I do theirs???
Dealing with your lender or servicer	Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.
Cont'd attempts collect debt not owed	This debt was paid by my insurance company or me in 2012.
Cont'd attempts collect debt not owed	Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.
Incorrect information on credit report	I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false
Incorrect information on credit report	Identity theft occurred submitted information via police report and it is still on my credit report
Incorrect information on credit report	A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,
Disclosure verification of debt	This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier
Incorrect information on your report	I 'm a victim of identity theft and took information and opened up account Comenity capital bank account
False statements or representation	Plaza services was paid {$200.00} back in XXXX of XXXX , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.
Managing, opening, or closing account	I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.
Incorrect information on credit report	I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.
Loan modification,collection,foreclosure	A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.
Can't repay my loan	My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.
Unable to get credit report/credit score	Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX
Problem with fraud alerts or security freezes	TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.
Improper use of your report	Equifax data Breach. My data was part of the breach.
Loan modification,collection,foreclosure	We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.
Improper use of your report	I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.
Attempts to collect debt not owed	There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.
Improper use of your report	First XXXX and my last name not right on my credit report hard inquiries not matching
Improper use of your report	I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Threatened to contact someone or share information improperly	XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.
Incorrect information on credit report	REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!
Communication tactics	There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.
Attempts to collect debt not owed	This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.
Improper use of my credit report	I applied for business credit card using company EIN. The card was issued using my social security number. The application stated that my social security number would only be used for Identification purposes.
Written notification about debt	This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.
Improper use of my credit report	XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.
Taking/threatening an illegal action	Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
Loan servicing, payments, escrow account	Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.
Disclosure verification of debt	checked my credit report and saw account i did not open
Problem adding money	My bank does n't send transactions to the app, so they app does n't allow me to cash out money for over a day sometimes.
Incorrect information on your report	cra violation inaccurate information not mine please remove sent po report XXXX XXXX
Written notification about debt	I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.
Application, originator, mortgage broker	XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.
Unauthorized transactions or other transaction problem	Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.
Unable to get credit report/credit score	Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Dealing with my lender or servicer	The servicer of my private student loans is not applying my payments correctly causing my loans to default
Incorrect information on credit report	Re : Chex Systems consumer reporting of innacurate check account reconciliation.
Disclosure verification of debt	I do n't know what this is.. I paid all debt off!!
Incorrect information on credit report	I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.
Incorrect information on credit report	Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. Sincerely, XXXX XXXX
Incorrect information on your report	Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.
Making/receiving payments, sending money	Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.
Problem with fraud alerts or security freezes	In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. XXXX XXXX XXXX
Communication tactics	FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.
Can't repay my loan	I applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.
Managing an account	On XX/XX/XXXX i deposited a check for {$430.00} in my savings account. Now on XX/XX/XXXX it is being put on hold until XX/XX/XXXX. That is way to Long and bills need to be paid. They did n't allow ANY funds available, i have no way to get back and forth to work. This is my First time having a Bank account. so i wasnt aware of any hold or anything.
Credit reporting company's investigation	Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.
Improper contact or sharing of info	They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.
Incorrect information on your report	On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Improper use of your report	Unauthorized inquiry.
Incorrect information on credit report	I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.
Cont'd attempts collect debt not owed	I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Communication tactics	Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.

Loan servicing, payments, escrow account

I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.

Credit monitoring or identity theft protection services

Equifax unsafely stored my data and as a result it was stolen.

Incorrect information on your report

Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there

Attempts to collect debt not owed

This company I disputed due to same happens with a XXXX XXXXXXXX card

Incorrect information on credit report

There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

Cont'd attempts collect debt not owed

A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.

Communication tactics

Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime

Incorrect information on credit report

Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. Thank you

Incorrect information on your report

XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.

Closing/Cancelling account

I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.

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

CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!

Credit monitoring or identity theft protection services

Ive tried contacting them to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.

Incorrect information on credit report

Equifax is reporting inaccurate info on my credit file from XXXX XXXX XXXX. I have disputed this negative info for the past couple of years and provided supporting documentation yet nothing has been done. They are reporting late payments for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX which is n't correct. I have attached file to support payment history.

Incorrect information on credit report

Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.

APR or interest rate

Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.

Problem with a purchase shown on your statement

I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. .

Incorrect information on your report

I have tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my credit.

Cont'd attempts collect debt not owed

This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false

Can't repay my loan

I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.

Loan modification,collection,foreclosure

Been trying over two years to get a loan modification.

Loan modification,collection,foreclosure

I applied for a modification with Nation star mortgage since XXXX 2015, but unfortunately no modification was approve even do. I show more income in application and the current loan is interest only, with a rate and payment increase in the following months. I believe Nation star Mortgage is not practicing fair business with me.

Written notification about debt

There are XXXX medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY XXXX FOR {$1600.00} XXXX {$63.00} XXXX {$58.00}

Problem with customer service

Alpha Mortgage calls my cell phone repeatedly and I do not do business with this company and have no idea how they got my cell phone number. I registered my cell with the do not call registry when the law was passed and I am sick of getting their calls.

Written notification about debt

I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.

Incorrect information on your report

please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both experian and XXXX, but still they have not removed this account except XXXX. experian needs to remove right away instead of disputing this account. thank you for your cooperation

Managing the loan or lease

Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.

Dealing with your lender or servicer

I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.

Problem with fraud alerts or security freezes

Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

Incorrect information on your report

Bankruptcies and tax liens & judgment that are incorrect.

Incorrect information on your report

In XXXX a tax lien was filed against me in XXXX County Superior Court. Th is tax lien was released in XXXX and should have been removed from my file 7 years from the date of filing ( which would have been XXXX XXXX , XXXX ). Both Transunion and XXXX are refusing to remove this from my credit report.

Payoff process

I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.

Incorrect information on your report

I have notified this company, and have gave them signed affidavit, advising them that this is not my account.

Incorrect information on credit report

There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.

Loan servicing, payments, escrow account

I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.

Incorrect information on credit report

Equifax credit reporting agency is reporting inaccurate information on my credit report. The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.

Attempts to collect debt not owed

This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.

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

On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.

Incorrect information on credit report

I have file a report with you to send to Equifax report # XXXX dated XX/XX/XXXX. Equifax Accepted and deleted the false report by XX/XX/XXXX. but I check my credit report again and the bankruptcy is reported back again .... and it is NOT MINE. please check the last XXXX numbers of the bankruptcy report attach it shows XXXX NOT MINE ... ... my last XXXX are XXXX WHY CAN THEY SEE THIS BIG MISTAKE THAT IS RUINING MY LIFE ... ...

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

Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.

Disclosure verification of debt

I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Cont'd attempts collect debt not owed

Bank of America. {$36000.00}. Request : Deleted permanently from my credit report. Status : Inaccurate account information. Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Billing statement

Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.

Incorrect information on credit report

Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.

Deposits and withdrawals

Citibank breaches information. Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. My big concern is : does any Citibank customers see my information like I do theirs???

Dealing with your lender or servicer

Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.

Cont'd attempts collect debt not owed

This debt was paid by my insurance company or me in 2012.

Cont'd attempts collect debt not owed

Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.

Incorrect information on credit report

I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false

Incorrect information on credit report

Identity theft occurred submitted information via police report and it is still on my credit report

Incorrect information on credit report

A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,

Disclosure verification of debt

This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier

Incorrect information on your report

I 'm a victim of identity theft and took information and opened up account Comenity capital bank account

False statements or representation

Plaza services was paid {$200.00} back in XXXX of XXXX , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.

Managing, opening, or closing account

I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.

Incorrect information on credit report

I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Loan modification,collection,foreclosure

A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.

Can't repay my loan

My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.

Unable to get credit report/credit score

Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX

Problem with fraud alerts or security freezes

TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.

Improper use of your report

Equifax data Breach. My data was part of the breach.

Loan modification,collection,foreclosure

We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.

Improper use of your report

I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.

Attempts to collect debt not owed

There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.

Improper use of your report

First XXXX and my last name not right on my credit report hard inquiries not matching

Improper use of your report

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Threatened to contact someone or share information improperly

XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.

Incorrect information on credit report

REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!

Communication tactics

There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.

Attempts to collect debt not owed

This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.

Improper use of my credit report

I applied for business credit card using company EIN. The card was issued using my social security number. The application stated that my social security number would only be used for Identification purposes.

Written notification about debt

This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.

Improper use of my credit report

XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.

Taking/threatening an illegal action

Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for the XXXX of XXXX and XXXX ( see attached bill notice password " XXXX '' ). Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.

Loan servicing, payments, escrow account

Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.

Disclosure verification of debt

checked my credit report and saw account i did not open

Problem adding money

My bank does n't send transactions to the app, so they app does n't allow me to cash out money for over a day sometimes.

Incorrect information on your report

cra violation inaccurate information not mine please remove sent po report XXXX XXXX

Written notification about debt

I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.

Application, originator, mortgage broker

XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.

Unauthorized transactions or other transaction problem

Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.

Unable to get credit report/credit score

Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.

Dealing with my lender or servicer

The servicer of my private student loans is not applying my payments correctly causing my loans to default

Incorrect information on credit report

Re : Chex Systems consumer reporting of innacurate check account reconciliation.

Disclosure verification of debt

I do n't know what this is.. I paid all debt off!!

Incorrect information on credit report

I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.

Incorrect information on credit report

Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my XXXX credit reports to the correct dates. Sincerely, XXXX XXXX

Incorrect information on your report

Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

Making/receiving payments, sending money

Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.

Problem with fraud alerts or security freezes

In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. XXXX XXXX XXXX

Communication tactics

FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.

Can't repay my loan

I applied for IBR twice in 2016 because I 'm no longer working. They requested proof of my husband 's income which I sent in. They rejected the information that although the income information letter included his weekly salary.

Managing an account

On XX/XX/XXXX i deposited a check for {$430.00} in my savings account. Now on XX/XX/XXXX it is being put on hold until XX/XX/XXXX. That is way to Long and bills need to be paid. They did n't allow ANY funds available, i have no way to get back and forth to work. This is my First time having a Bank account. so i wasnt aware of any hold or anything.

Credit reporting company's investigation

Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.

Improper contact or sharing of info

They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.

Incorrect information on your report

On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

Improper use of your report

Unauthorized inquiry.

Incorrect information on credit report

I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.

Cont'd attempts collect debt not owed

I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.

Incorrect information on your report

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

Communication tactics

Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.