determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months
Cont'd attempts collect debt not owed	Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.
Payment to acct not credited	The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.
Problem with a credit reporting company's investigation into an existing problem	I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.
Incorrect information on credit report	There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
Communication tactics	I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number XXXX
Credit reporting company's investigation	I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.
Communication tactics	Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
Cont'd attempts collect debt not owed	A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.
Improper use of your report	Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
Improper use of your report	In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.
Cash advance	Enormous fees from unknown/questionable cash advances.
Problems when you are unable to pay	I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.
Incorrect information on credit report	I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Cont'd attempts collect debt not owed	Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.
Problem getting a card or closing an account	At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!
Cont'd attempts collect debt not owed	I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Other service issues	Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.
Cont'd attempts collect debt not owed	macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?
Incorrect information on credit report	My credit report has an address i never lived at.
Credit reporting company's investigation	I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.
Loan modification,collection,foreclosure	XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER
Incorrect information on credit report	Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Improper use of your report	Inquiries were removed due to disputing them and then put back on my report without my knowledge.
Cont'd attempts collect debt not owed	This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.
Improper contact or sharing of info	My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.
Cont'd attempts collect debt not owed	False Collection Debt
Improper use of your report	I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.
Loan servicing, payments, escrow account	I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.
Incorrect information on your report	I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
Incorrect information on credit report	TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open account.
Incorrect information on your report	I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.
Problem with a company's investigation into an existing issue	My client, XXXX XXXX applied for an SBA guaranteed working capital loan to TD Bank, XXXX Florida Office, Loan Officer XXXX XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago. XXXX XXXX informed me that t he SBA lo an committee would provide the requested letter. That has not happened.
Attempts to collect debt not owed	XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.
Loan modification,collection,foreclosure	I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.
Dealing with my lender or servicer	The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.
Incorrect information on your report	XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.
Improper contact or sharing of info	I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
Loan modification,collection,foreclosure	XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Cont'd attempts collect debt not owed	Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.
Fraud or scam	I was hoaxed out of money for a dog that i never got.
False statements or representation	I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.
Billing disputes	XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.
Incorrect information on your report	Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.
Application, originator, mortgage broker	Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.
Account opening, closing, or management	During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.
Managing an account	I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.
Cont'd attempts collect debt not owed	Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.
Cont'd attempts collect debt not owed	Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota
Cont'd attempts collect debt not owed	I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down.
Problems when you are unable to pay	I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on
Delinquent account	I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.
Took or threatened to take negative or legal action	they are calling my work, family members and friends of mine continually harassing and threatening all involved it is old invalidated debt
Cont'd attempts collect debt not owed	Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.
Incorrect information on your report	This account is not being reported on my XXXX credit report and it 's affecting my credit.
Incorrect information on your report	I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX
Unable to get your credit report or credit score	This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. I am also not able to receive credit score because the monthly payments are not being reported.
Cont'd attempts collect debt not owed	A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.
Written notification about debt	Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company
Cont'd attempts collect debt not owed	On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. See attached leeter.
Settlement process and costs	i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.
Incorrect information on your report	XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Incorrect information on credit report	There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. XXXX/XXXX/XXXX
Improper use of your report	Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial
Dealing with my lender or servicer	I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.
Trouble during payment process	Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.
Cont'd attempts collect debt not owed	Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.
Unable to get your credit report or credit score	I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove
Unauthorized transactions or other transaction problem	Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.
Improper use of your report	My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.
Attempts to collect debt not owed	The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. I have had no debt since I paid off my mortgage in XXXX.
Problem with fraud alerts or security freezes	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on credit report	This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.
Incorrect information on credit report	I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?
Incorrect information on credit report	Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.
Improper use of your report	unlawful add inquiry to my report
Incorrect information on credit report	I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX
Incorrect information on your report	credit bureaus are not updating my information and date of birth is wrong again it should be XXXX my address is XXXX XXXX XXXX XXXX nc XXXX not the other XXXX address they have they took off accounts then but them back on why????? please help me fix this.
Disclosure verification of debt	I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.
Cont'd attempts collect debt not owed	Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.
Communication tactics	Comenity Bank ( Bonton Credit Card ) has been calling both our house phone and my cell phone repeatedly, all day long, leaving no messages, and calling from a blocked number. I do n't usually answer unitentified numbers, but I could n't take it anymore! When I answered and followed the robo prompts to speak to a person, I was hung up on! I do owe a ballance that I intend to pay, but the calls will not stop! My husband works shift work and needs is being deprived of sleep.
Improper contact or sharing of info	My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!
Written notification about debt	I've been trying to pay this but that company is not willing to negotiate the amount. I
Incorrect information on your report	InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
Attempts to collect debt not owed	The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.
Incorrect information on your report	This Finance Company sold my mortgage to XXXX XXXX and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website
Improper use of your report	Equifax experienced a large data breach and proceeded to withhold that information from its customers.
Improper use of your report	Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.
Struggling to pay mortgage	Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.
Improper use of your report	My XXXX credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.
Loan servicing, payments, escrow account	XXXX states Ocwen changed my last name. This is a flagrant and gross action by Ocwen. XXXX will correct the error but this must be made public record for other consumers.
Written notification about debt	We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.
Problem with a credit reporting company's investigation into an existing problem	i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account
Making/receiving payments, sending money	I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.
Problem with a credit reporting company's investigation into an existing problem	I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.
Cont'd attempts collect debt not owed	this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.
Dealing with my lender or servicer	My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?
Loan servicing, payments, escrow account	SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.

Incorrect information on your report

I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

Cont'd attempts collect debt not owed

Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Payment to acct not credited

The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.

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

I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

Incorrect information on credit report

There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Communication tactics

I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number XXXX

Credit reporting company's investigation

I mailed out a letter and followed the instructions precisely ; included a copy of my drivers license, proof of my social security number, and proof of my address, along with my letter asking for an investigation into numerous issues. That was two months ago. They have not responded to me.

Communication tactics

Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Cont'd attempts collect debt not owed

A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.

Improper use of your report

Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.

Improper use of your report

In XXXX I paid cash for a car. Prior to the car being wrecked I had car insurance with XXXX. My policy number was XXXX. XXXX number XXXX. The name on the police is XXXX XXXX XXXX. For verification XXXX XXXX XXXX is the agent XXXX. The vin number is XXXX. The title number is XXXX.

Cash advance

Enormous fees from unknown/questionable cash advances.

Problems when you are unable to pay

I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.

Incorrect information on credit report

I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting

Cont'd attempts collect debt not owed

Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.

Problem getting a card or closing an account

At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!

Cont'd attempts collect debt not owed

I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Other service issues

Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.

Cont'd attempts collect debt not owed

macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?

Incorrect information on credit report

My credit report has an address i never lived at.

Credit reporting company's investigation

I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.

Loan modification,collection,foreclosure

XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER

Incorrect information on credit report

Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Improper use of your report

Inquiries were removed due to disputing them and then put back on my report without my knowledge.

Cont'd attempts collect debt not owed

This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.

Improper contact or sharing of info

My XXXX sisters and a cousin has complained to me stating that they 're being contacted several times a day on a daily basis in terms of having been listed as a reference. They 've also revealed to them the nature of the call and where they 're calling from. I know for a fact that they can only leave their name and number and they 're not even suppose to call my references if I have a working phone number myself.

Cont'd attempts collect debt not owed

False Collection Debt

Improper use of your report

I guess I MAY Have been impacted by the Equifax security breach. however, on their website, they do n't directly tell you if you actually have, it just says you may have been affected. so I sign up for their free credit monitoring program, but I get no information on that either. if 's not very informative when they just gave away so much of my info and do n't provide me with any info to try to help keep myself and my husband safe from future problems.

Loan servicing, payments, escrow account

I was with Nation wide bi weekly program and i have got XXXX notices over the weekend saying that my account is temp suspended. I tried to call I want to make sure they have my extra payment that is supposed to go to my house now on XXXX XXXX and no one will answer they say they are having technical difficulties.

Incorrect information on your report

I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

Incorrect information on credit report

TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open account.

Incorrect information on your report

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.

Problem with a company's investigation into an existing issue

My client, XXXX XXXX applied for an SBA guaranteed working capital loan to TD Bank, XXXX Florida Office, Loan Officer XXXX XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago. XXXX XXXX informed me that t he SBA lo an committee would provide the requested letter. That has not happened.

Attempts to collect debt not owed

XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.

Loan modification,collection,foreclosure

I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.

Dealing with my lender or servicer

The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.

Incorrect information on your report

XXXX XXXX still shows a balance of XXXX on my credit thats really affecting my credit. the date showing that it was open XXXX XXXX-2017 i even fix my credit in the past so for no reason it should be showing. But it even show charge off Im hoping we can get this resolve so I can see a improvement on my credit because of future purchase that Im planning to make this would help me a lot.

Improper contact or sharing of info

I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

Loan modification,collection,foreclosure

XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.

Incorrect information on your report

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

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Cont'd attempts collect debt not owed

Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.

Fraud or scam

I was hoaxed out of money for a dog that i never got.

False statements or representation

I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.

Billing disputes

XXXX XXXX XXXX XXXX XXXX issue correspondence ( verbal/written ) to collect a credit card debt from Capital One ( Acct **************** ) when I informed them I do not have a Capital One credit card issued to me, nor activated by me. The Credit Report Agencies have been notified that I failed to pay on a debt " which is in default. '' This action is in violation of PL XXXX.

Incorrect information on your report

Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.

Application, originator, mortgage broker

Nationstar Mortgage has not issued a subordination agreement which they are required to do. The client qualifies for a new first mortgage and needs a subordination agreement from Nationstar for his 2nd mortgage so he can refinance the 1st mortgage. XXXX XXXX will save over {$200.00} by refinancing. We sent the request on XXXX/XXXX/2015 and followed up with other required info on XXXX/XXXX/2015. We have not received anything yet.

Account opening, closing, or management

During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.

Managing an account

I have over the course of a few year while with PNC have been charged overdraft fees. Primarily they have triggered occurring fees the next day after deposits have been posted. PNC regularly uses a predatory tactic of ordering my transactions to allow for the maximum overdraft allowable in a day. This behavior is unethical and predatory.

Cont'd attempts collect debt not owed

Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.

Cont'd attempts collect debt not owed

Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota

Cont'd attempts collect debt not owed

I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down.

Problems when you are unable to pay

I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on

Delinquent account

I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.

Took or threatened to take negative or legal action

they are calling my work, family members and friends of mine continually harassing and threatening all involved it is old invalidated debt

Cont'd attempts collect debt not owed

Disputed a collection account on my XXXX credit report i XX/XX/XXXX. The account was deleted. While checking my credit reports in XX/XX/XXXX, the account was back on my credit report. I was not notified that it would be re-inserted. Disputed the account again in XX/XX/XXXX, and the dispute results came back as verified.

Incorrect information on your report

This account is not being reported on my XXXX credit report and it 's affecting my credit.

Incorrect information on your report

I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX

Unable to get your credit report or credit score

This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. I am also not able to receive credit score because the monthly payments are not being reported.

Cont'd attempts collect debt not owed

A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.

Written notification about debt

Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company

Cont'd attempts collect debt not owed

On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. See attached leeter.

Settlement process and costs

i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.

Incorrect information on your report

XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Incorrect information on credit report

There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. XXXX/XXXX/XXXX

Improper use of your report

Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial

Dealing with my lender or servicer

I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.

Trouble during payment process

Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.

Cont'd attempts collect debt not owed

Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.

Unable to get your credit report or credit score

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove

Unauthorized transactions or other transaction problem

Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.

Improper use of your report

My personal information has been compromised for a lifetime due to Equifax 's negligence in handling my information.

Attempts to collect debt not owed

The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. I have had no debt since I paid off my mortgage in XXXX.

Problem with fraud alerts or security freezes

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Incorrect information on credit report

This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.

Incorrect information on credit report

I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?

Incorrect information on credit report

Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.

Improper use of your report

unlawful add inquiry to my report

Incorrect information on credit report

I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX

Incorrect information on your report

credit bureaus are not updating my information and date of birth is wrong again it should be XXXX my address is XXXX XXXX XXXX XXXX nc XXXX not the other XXXX address they have they took off accounts then but them back on why????? please help me fix this.

Disclosure verification of debt

I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.

Cont'd attempts collect debt not owed

Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.

Communication tactics

Comenity Bank ( Bonton Credit Card ) has been calling both our house phone and my cell phone repeatedly, all day long, leaving no messages, and calling from a blocked number. I do n't usually answer unitentified numbers, but I could n't take it anymore! When I answered and followed the robo prompts to speak to a person, I was hung up on! I do owe a ballance that I intend to pay, but the calls will not stop! My husband works shift work and needs is being deprived of sleep.

Improper contact or sharing of info

My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!

Written notification about debt

I've been trying to pay this but that company is not willing to negotiate the amount. I

Incorrect information on your report

InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1. XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}

Attempts to collect debt not owed

The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.

Incorrect information on your report

This Finance Company sold my mortgage to XXXX XXXX and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website

Improper use of your report

Equifax experienced a large data breach and proceeded to withhold that information from its customers.

Improper use of your report

Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

Struggling to pay mortgage

Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.

Improper use of your report

My XXXX credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.

Loan servicing, payments, escrow account

XXXX states Ocwen changed my last name. This is a flagrant and gross action by Ocwen. XXXX will correct the error but this must be made public record for other consumers.

Written notification about debt

We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.

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

i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account

Making/receiving payments, sending money

I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.

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

I have disputed this account multiple times with XXXX and XXXX XXXX. I asked for verification and validity of this account. All XXXX XXXX sends that back is a screen shoot of a bill. This doesnt prove this account is mines at all. They are breaking the law by continue to report multiple accounts on my report.

Cont'd attempts collect debt not owed

this is not dulpicte complint For the second tine the debt recovery solution lilac is reporting account number on all credit report that is not mine. My first complaint Reff to CFPB case numbers XXXX. See all documents on file.

Dealing with my lender or servicer

My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?

Loan servicing, payments, escrow account

SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.