determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	Car loan paid off XXXXX2017. Still reporting to CRAs as not paid. Credit report showing I have two car loans after refinancing. Inadequate information is seriously detrimental to my credit. Prestige Financial is very poor costumer relations and business skills.
Incorrect information on credit report	I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )
Improper use of your report	My information is believed to have been accessed in the Equifax breach, the timing also lines up with when I had XXXX fraudulent charges on my card across the company.
Managing an account	On XXXX XXXX XXXX my Bank of America checking account balance was {$240.00} my balance on XXXX XXXX XXXX went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on XXXX XXXX XXXX ( XXXX ) and, I have not heard from the bank yet.
Can't contact lender	I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.
Improper use of your report	Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.
Managing an account	Wrong banking info
Account opening, closing, or management	PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW
Cont'd attempts collect debt not owed	I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011
Customer service / Customer relations	bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. This cause a late chg
Managing an account	My bank is not reporting my account information t o my payday loan company called XXXX XXXX in a timely manner
Taking/threatening an illegal action	I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.
Application, originator, mortgage broker	Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.
Incorrect information on credit report	On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.
Loan servicing, payments, escrow account	I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.
Improper contact or sharing of info	They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.
Dealing with my lender or servicer	This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. Here is the account information : XXXX
Loan servicing, payments, escrow account	I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.
Using a debit or ATM card	I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX
Cash advance	I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : XXXX ]
Credit monitoring or identity theft protection services	The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.
Charged fees or interest I didn't expect	The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.
Improper use of my credit report	I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by XXXX.
Incorrect information on your report	why do they no report paid on time but if you mi ss one they report quickly?
Incorrect information on your report	Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.
Incorrect information on credit report	I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time
Loan servicing, payments, escrow account	A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.
Incorrect information on your report	XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.
Incorrect information on your report	I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?
Communication tactics	They have called my house today on a XXXX XXXX and wo n't stop. XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # XXXX
False statements or representation	Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.
Incorrect information on your report	My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : - XXXX thru XXXX , XXXX ; - XXXX thru XXXX XXXX . I have written to the lender many occasions and have not received a response.
Unable to get credit report/credit score	I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on.
Incorrect information on credit report	Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX
Took or threatened to take negative or legal action	It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.
Problems when you are unable to pay	I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.
Incorrect information on credit report	Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.
Credit reporting company's investigation	I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.
Improper use of your report	On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the affected customers.
Credit reporting company's investigation	I have disputed all inquries on my credit report with Trans Union and have not received any response with them. Clearly outside my legal 30 day response time per FCRA.
Attempts to collect debt not owed	I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}
Problem with fraud alerts or security freezes	I need the fraud alert removed. It 's okay now.
Incorrect information on credit report	Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.
Loan modification,collection,foreclosure	My parents have never missed a payment on their mortgage however Green Tree LLC ( previously XXXX XXXX XXXX ) claims they have missed payments. In 2013 they applied for modification. They delayed the process by not answering phone calls, giving wrong fax numbers, by using other numerous unprofessional tactics. I need help.
Dealing with my lender or servicer	I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
Can't repay my loan	I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.
Incorrect information on credit report	Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.
Problems when you are unable to pay	Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing
Problem with fraud alerts or security freezes	Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.
Written notification about debt	On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.
Problem with a credit reporting company's investigation into an existing problem	Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.
Incorrect information on credit report	THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.
Unable to get credit report/credit score	The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.
Incorrect information on credit report	Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off
Incorrect information on your report	Reporting charges that are not mine.
Incorrect information on credit report	I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Cont'd attempts collect debt not owed	I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
Problem with a credit reporting company's investigation into an existing problem	Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.
Incorrect information on your report	I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Incorrect information on credit report	There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.
Credit reporting company's investigation	You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. We respectfully request that the item in question be removed from my account ASAP.
Other features, terms, or problems	XXXX is blocking me from enabling external applications. I want access to enable such applications.
Identity theft / Fraud / Embezzlement	I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them
Improper use of your report	Equifax mishandled my information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.
Trouble during payment process	On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it? How do I PAY? Loan Modification Info. requested??
Incorrect information on your report	There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}
Incorrect information on your report	There are many wrong items in my report. I have never paid late these accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Loan servicing, payments, escrow account	Green Tree Servicing refused to apply additional fund to the principal balance despite their website clearly indicating they will automatically apply such funds. XXXX
Incorrect information on your report	For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.
Credit reporting company's investigation	Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.
Disclosure verification of debt	I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.
Overdraft, savings or rewards features	they promised me a XXXX credit comp and i sill havent got it
Attempts to collect debt not owed	This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.
Settlement process and costs	I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.
Communication tactics	They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.
Excessive fees	XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account
Credit reporting company's investigation	I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.
Deposits and withdrawals	Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.
Credit reporting company's investigation	XXXX still not give me any result form my first dispute XXXX XXXX, 2017
Incorrect information on credit report	XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.
Credit monitoring or identity protection	there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries
Incorrect information on credit report	Lien was paid in full in 2009 and released.
Problem with a credit reporting company's investigation into an existing problem	I have a charge account with XXXX Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a XXXX card. I am now in litigation with the merchant. XXXX expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.
Problems when you are unable to pay	i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment
Incorrect information on your report	XXXX INACCURATE INFORMATION MUST REMOVE IT
Delinquent account	I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.
Incorrect information on credit report	Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Other service issues	Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!
Attempts to collect debt not owed	Pop up on credit I wasnt aware of this Debt
Problem caused by your funds being low	I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you
Cont'd attempts collect debt not owed	XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against XXXX XXXX ).
Cont'd attempts collect debt not owed	I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.
Loan servicing, payments, escrow account	They say I owe XXXX. I do n't They credit my account wrong.They put my payments in my escrow AND DIDNT CREDIT TO MY PRINCIPAL.i PAID RECENTLY TOTAL XXXX
Unable to get credit report/credit score	I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.
Deposits and withdrawals	There was a line of almost XXXX people and only XXXX XXXX working.
Incorrect information on your report	19 yrs of payments not showing in XXXX report vs XXXX
Cont'd attempts collect debt not owed	Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
Communication tactics	Since XX/XX/XXXX to present I have received multiple phone calls from Capital One. They call everyday and leave a generic voicemail. I havent had a capital One card since XX/XX/XXXX which I thought was settled and removed from my report. I have already explained this when I received a letter in the mail.
Incorrect information on your report	ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Unable to get credit report/credit score	Experian has yet to send a hard copy of my credit report to my current address.

Incorrect information on your report

Car loan paid off XXXXX2017. Still reporting to CRAs as not paid. Credit report showing I have two car loans after refinancing. Inadequate information is seriously detrimental to my credit. Prestige Financial is very poor costumer relations and business skills.

Incorrect information on credit report

I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )

Improper use of your report

My information is believed to have been accessed in the Equifax breach, the timing also lines up with when I had XXXX fraudulent charges on my card across the company.

Managing an account

On XXXX XXXX XXXX my Bank of America checking account balance was {$240.00} my balance on XXXX XXXX XXXX went up to {$280.00} witheout a deposit transaction made to the account. A similar error was made last month and caused my account to become overdrawn. I filled a complaint on XXXX XXXX XXXX ( XXXX ) and, I have not heard from the bank yet.

Can't contact lender

I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.

Improper use of your report

Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.

Managing an account

Wrong banking info

Account opening, closing, or management

PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW

Cont'd attempts collect debt not owed

I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011

Customer service / Customer relations

bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. This cause a late chg

Managing an account

My bank is not reporting my account information t o my payday loan company called XXXX XXXX in a timely manner

Taking/threatening an illegal action

I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.

Application, originator, mortgage broker

Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.

Incorrect information on credit report

On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.

Loan servicing, payments, escrow account

I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.

Improper contact or sharing of info

They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.

Dealing with my lender or servicer

This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. Here is the account information : XXXX

Loan servicing, payments, escrow account

I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.

Using a debit or ATM card

I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX

Cash advance

I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : XXXX ]

Credit monitoring or identity theft protection services

The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.

Charged fees or interest I didn't expect

The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.

Improper use of my credit report

I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by XXXX.

Incorrect information on your report

why do they no report paid on time but if you mi ss one they report quickly?

Incorrect information on your report

Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.

Incorrect information on credit report

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time

Loan servicing, payments, escrow account

A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.

Incorrect information on your report

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.

Incorrect information on your report

I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

Communication tactics

They have called my house today on a XXXX XXXX and wo n't stop. XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # XXXX

False statements or representation

Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.

Incorrect information on your report

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : - XXXX thru XXXX , XXXX ; - XXXX thru XXXX XXXX . I have written to the lender many occasions and have not received a response.

Unable to get credit report/credit score

I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on.

Incorrect information on credit report

Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX

Took or threatened to take negative or legal action

It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.

Problems when you are unable to pay

I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.

Incorrect information on credit report

Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.

Credit reporting company's investigation

I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.

Improper use of your report

On X/X/2017 Equifax disclosed a serious data leak. After using their potential check site, I am one of the affected customers.

Credit reporting company's investigation

I have disputed all inquries on my credit report with Trans Union and have not received any response with them. Clearly outside my legal 30 day response time per FCRA.

Attempts to collect debt not owed

I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}

Problem with fraud alerts or security freezes

I need the fraud alert removed. It 's okay now.

Incorrect information on credit report

Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.

Loan modification,collection,foreclosure

My parents have never missed a payment on their mortgage however Green Tree LLC ( previously XXXX XXXX XXXX ) claims they have missed payments. In 2013 they applied for modification. They delayed the process by not answering phone calls, giving wrong fax numbers, by using other numerous unprofessional tactics. I need help.

Dealing with my lender or servicer

I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX

Can't repay my loan

I was unemployed on XX/XX/2016 and Navient would not grant me a forbearance without making a payment of {$50.00}.

Incorrect information on credit report

Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.

Problems when you are unable to pay

Santander consumer has been ripping me off!!!! I have been sending payments for months and my loan is still at the same amount it was when I first got the loan. And I 'm getting extra charges for literally nothing

Problem with fraud alerts or security freezes

Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.

Written notification about debt

On Friday XX/XX/17, I received an alert from the credit bureau 's that I have a collection on my credit bureau from a XXXX XXXX. I not only did not receive any written notice of this debt, but was never given the opportunity to validate this debt. I contacted Midland Funding and was not able to have them validate the debt.

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

Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.

Incorrect information on credit report

THERE IS A WRONG SOCIAL SECURITY NUMBER WITH EQUIFAX. I HAVE ASKED THEM 5 TIMES TO CORRECT TO THE RIGHT SOCIAL SECUTIRY NUMBER WHICH WAS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION WITH FULL DOCUMENTATION TO PROVE IT AND EQUIFAX STILL INSISTS ON CLAIMING THAT THE WRONG NUMBER IS MY SOCIAL SECURITY. IT HAS BEEN FRUSTRATE DEALING WITH EQUIFAX, IT SEEMS THEY DO N'T EVEN LOOK AT THE DOCUMENTS SENT.

Unable to get credit report/credit score

The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.

Incorrect information on credit report

Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off

Incorrect information on your report

Reporting charges that are not mine.

Incorrect information on credit report

I am showing as late XX/XX/XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Cont'd attempts collect debt not owed

I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

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

Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.

Incorrect information on your report

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

Incorrect information on credit report

There is a hard inquiry on my Equifax credit report by XXXX dated XXXX XXXX, 2016. I think this is fraudulent.

Credit reporting company's investigation

You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. We respectfully request that the item in question be removed from my account ASAP.

Other features, terms, or problems

XXXX is blocking me from enabling external applications. I want access to enable such applications.

Identity theft / Fraud / Embezzlement

I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them

Improper use of your report

Equifax mishandled my information, allowing for a massive data leak. This puts myself and millions of others at risk. As per their website, XXXX, I 'm listed as a potential victim and would like to see a resolution. Their abhorrent behaviors of selling off stocks before disclosing the leak are indications to many that they lack remorse for their actions.

Trouble during payment process

On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it? How do I PAY? Loan Modification Info. requested??

Incorrect information on your report

There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

Incorrect information on your report

There are many wrong items in my report. I have never paid late these accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Loan servicing, payments, escrow account

Green Tree Servicing refused to apply additional fund to the principal balance despite their website clearly indicating they will automatically apply such funds. XXXX

Incorrect information on your report

For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.

Credit reporting company's investigation

Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.

Disclosure verification of debt

I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.

Overdraft, savings or rewards features

they promised me a XXXX credit comp and i sill havent got it

Attempts to collect debt not owed

This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.

Settlement process and costs

I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.

Communication tactics

They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.

Excessive fees

XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account

Credit reporting company's investigation

I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.

Deposits and withdrawals

Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.

Credit reporting company's investigation

XXXX still not give me any result form my first dispute XXXX XXXX, 2017

Incorrect information on credit report

XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.

Credit monitoring or identity protection

there are XXXX inquiring that hit my credit hard and effecting my credit report my identity got stollen since XXXX these was the inquirersXXXX/XXXX/XXXX/XXXX/XXXX/XXXX /XXXX/XXXX ( XXXX ) XXXX/XXXXInquiry DateXXXX, XXXXPrint Credit Bureau LetterPrint Creditor LetterHard Inquiries vs. Soft Inquiries

Incorrect information on credit report

Lien was paid in full in 2009 and released.

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

I have a charge account with XXXX Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a XXXX card. I am now in litigation with the merchant. XXXX expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

Problems when you are unable to pay

i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment

Incorrect information on your report

XXXX INACCURATE INFORMATION MUST REMOVE IT

Delinquent account

I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.

Incorrect information on credit report

Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Other service issues

Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!

Attempts to collect debt not owed

Pop up on credit I wasnt aware of this Debt

Problem caused by your funds being low

I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you

Cont'd attempts collect debt not owed

XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against XXXX XXXX ).

Cont'd attempts collect debt not owed

I have disputed this incorrect reporting with the XXXX bureaus, indicating this was paid/equipment returned. I still have had no luck getting Stellar Recovery to remove this information from my credit files.

Loan servicing, payments, escrow account

They say I owe XXXX. I do n't They credit my account wrong.They put my payments in my escrow AND DIDNT CREDIT TO MY PRINCIPAL.i PAID RECENTLY TOTAL XXXX

Unable to get credit report/credit score

I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.

Deposits and withdrawals

There was a line of almost XXXX people and only XXXX XXXX working.

Incorrect information on your report

19 yrs of payments not showing in XXXX report vs XXXX

Cont'd attempts collect debt not owed

Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.

Communication tactics

Since XX/XX/XXXX to present I have received multiple phone calls from Capital One. They call everyday and leave a generic voicemail. I havent had a capital One card since XX/XX/XXXX which I thought was settled and removed from my report. I have already explained this when I received a letter in the mail.

Incorrect information on your report

ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Unable to get credit report/credit score

Experian has yet to send a hard copy of my credit report to my current address.