determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Can't repay my loan	I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received
Disclosure verification of debt	Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
Communication tactics	This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Attempts to collect debt not owed	ACCOUNT RCVY SERVICE XXXX ACCOUNT RCVY SERVICE Address : XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is XXXX and never authorized those XXXX prescribed by a Doctor.
Taking out the loan or lease	Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.
Improper use of your report	Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
Credit reporting company's investigation	XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.
Billing disputes	I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.
Incorrect information on credit report	equifax is report a acct that on XX/XX/2016, on XXXX i dont live there
Incorrect information on credit report	For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's
Incorrect information on credit report	I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. I need to know the next steps and what 's legal remedy we consumer have
Incorrect information on your report	i have been disputing this entry from XXXX XXXX several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct
Improper use of your report	There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well
Taking/threatening an illegal action	collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.
Incorrect information on credit report	I paid the collection account with XXXX XXXX XXXX.
Improper contact or sharing of info	XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc
Cont'd attempts collect debt not owed	Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current
Written notification about debt	Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.
Attempts to collect debt not owed	I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.
Cont'd attempts collect debt not owed	There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.
Communication tactics	Excessive phone calls, typically once or twice every hour, sometimes up to twenty times per day. When I answer, it is an automated message.
Attempts to collect debt not owed	I never received anything from this company but it 's on my credit and dropped my score XXXX points
Closing on a mortgage	2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this. They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )
Trouble during payment process	I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.
Dealing with my lender or servicer	I just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.
Improper use of your report	My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.
Attempts to collect debt not owed	On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. Today is XX/XX/XXXX. The accounts have not been removed.
Billing statement	Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.
Cont'd attempts collect debt not owed	I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.
Incorrect information on credit report	Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.
Cont'd attempts collect debt not owed	Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.
Dealing with my lender or servicer	The loan provider took me out of deferment while I am still enrolled in school.
Problems caused by my funds being low	I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.
Improper use of your report	There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks
Incorrect information on your report	I have disputed all of these unauthorized inquiries with all three credit bureaus. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Fraud or scam	supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever
Improper use of your report	I was affected by the 2017 Equifax hack. I checked on the website and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."
Incorrect information on credit report	I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.
Improper use of your report	Trans Union in inquiry server problems created reinsert inquiries without my knowledge. <P/>Inquiries : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Attempts to collect debt not owed	sent a letter on XXXX never got anything back
Charged fees or interest I didn't expect	The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.
Credit monitoring or identity protection	My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.
Application, originator, mortgage broker	The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.
Credit monitoring or identity theft protection services	TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires
Shopping for a loan or lease	i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. I would like this company to respond to my inquiry.
Incorrect information on your report	I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.
Cont'd attempts collect debt not owed	I do not know this company and never done business with them.
Improper use of your report	i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect
False statements or representation	Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.
Credit monitoring or identity theft protection services	I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!
Problem when making payments	I got a new b of a card XX/XX/XXXX. I have been trying to make a payment that was additional to my automatic payment. after 3 days on hold and several transfers, I am hold for a supervisor , I think rep just put the call mute. Could find the information I provided XX/XX/XXXX for the addiction payment. 31 minutes on hold. I can't get this issue resolved.
Balance transfer	The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.
Loan servicing, payments, escrow account	Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.
Incorrect information on your report	Trans union removed 7 inquiries off of my credit report and added them back without sending a written notification of them being placed back on my report!
Incorrect information on your report	Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX
Settlement process and costs	I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept it.
Incorrect information on your report	XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond
Loan modification,collection,foreclosure	I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.
Dealing with my lender or servicer	Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.
Disclosure verification of debt	Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. They are also trying to collect on debt that is past its statute of limitations.
Incorrect information on your report	It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.
False statements or representation	This account was a payday loan from the XXXX XXXX in XXXX, XXXX. XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.
Improper use of your report	Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.
Can't repay my loan	Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.
Improper use of my credit report	Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
Incorrect information on credit report	Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.
Cont'd attempts collect debt not owed	i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.
Attempts to collect debt not owed	XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
Improper use of my credit report	I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.
Cont'd attempts collect debt not owed	I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.
Struggling to pay your loan	I went to XXXX XXXX downtown to trade my car in and purchase a new vehicle..While under the impression my car was being traded in, i found out i now have 2 car loans on my credit..Now that the new car is repossessed, I'm having a hard time trying to get my credit fixed when i told the manager that i was under the impression that it was a trade in.. I feel this is fraudulent
Application, originator, mortgage broker	There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.
Dealing with your lender or servicer	AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.
Managing the loan or lease	I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA
Incorrect information on your report	XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have contacted my lawyer as well with this information to come to a resolution
Improper use of my credit report	I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.
Communication tactics	Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!
Communication tactics	I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.
Communication tactics	I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.
Written notification about debt	I do not have a debt and closing my case stated no further deductions. More today from Social Security & how do I get repaid for their errors?
Cont'd attempts collect debt not owed	i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.
Improper use of my credit report	TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Loan servicing, payments, escrow account	I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.
Incorrect information on credit report	On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Improper use of your report	Called went on website and disputed nothing was done
Application processing delay	Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.
Improper use of your report	Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
Loan servicing, payments, escrow account	I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX
Dealing with my lender or servicer	Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.
Cont'd attempts collect debt not owed	Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.
Problem with a credit reporting company's investigation into an existing problem	There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Took or threatened to take negative or legal action	This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!
Cont'd attempts collect debt not owed	I am being pursued for a XXXX medical bill form XXXX XXXX. I have always had private medical insurance and was covered at the time. I submitted verification of my medical insurance at the time of service and I was still billed on the error of the facility. Several attempts were made to try to clear this up as I should have only been billed for a co-payment not a {$550.00} bill.
Shopping for a loan or lease	Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.
Incorrect information on credit report	I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT
Incorrect information on your report	XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Improper use of your report	I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report. The late payments can not be proven also.
Loan modification,collection,foreclosure	I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.

Can't repay my loan

I have been unemployed since XXXX : Navient has been sending me harassing letters and calls every week saying they will take me to court if I ca n't come up with {$300.00} a month for their payments. I have contacted this company several times to tell them I am unemployed and have still received

Disclosure verification of debt

Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

Communication tactics

This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

Attempts to collect debt not owed

ACCOUNT RCVY SERVICE XXXX ACCOUNT RCVY SERVICE Address : XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is XXXX and never authorized those XXXX prescribed by a Doctor.

Taking out the loan or lease

Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.

Improper use of your report

Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.

Credit reporting company's investigation

XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

Billing disputes

I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.

Incorrect information on credit report

equifax is report a acct that on XX/XX/2016, on XXXX i dont live there

Incorrect information on credit report

For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's

Incorrect information on credit report

I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. I need to know the next steps and what 's legal remedy we consumer have

Incorrect information on your report

i have been disputing this entry from XXXX XXXX several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct

Improper use of your report

There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well

Taking/threatening an illegal action

collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.

Incorrect information on credit report

I paid the collection account with XXXX XXXX XXXX.

Improper contact or sharing of info

XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc

Cont'd attempts collect debt not owed

Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current

Written notification about debt

Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.

Attempts to collect debt not owed

I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.

Cont'd attempts collect debt not owed

There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.

Communication tactics

Excessive phone calls, typically once or twice every hour, sometimes up to twenty times per day. When I answer, it is an automated message.

Attempts to collect debt not owed

I never received anything from this company but it 's on my credit and dropped my score XXXX points

Closing on a mortgage

2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this. They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )

Trouble during payment process

I have an XXXX mortgage. My wife is a XXXX Veteran and we are exempt from property taxes in our county. We sent the property tax exemption letter from the XXXX of assessments to the mortgage company and they refuse to adjust the escrow account and mortgage payment amount.

Dealing with my lender or servicer

I just read about the complaint filed against Navient ( formerly XXXX XXXX ) and I was subject to those issues. I was encouraged several times ( and took the advice ) to enter into forbearance. Never once was offered an income-driven repayment plan when I struggled to meet high monthly payments. Fortunately I was able to the loans off just a couple years ago.

Improper use of your report

My personal data including SSN was compromised in the Equifax security breach. They did not properly secure my personal information, and therefore made me significantly vulnerable financially.

Attempts to collect debt not owed

On XX/XX/XXXX i have made a complaint to CFPB about a collection Debt Recovery Placing previously deleted accounts on my credit file. On XX/XX/XXXX The company Debt Recovery has replied and closed the complaint stating they will remove the previously deleted accounts they have placed on my report. Today is XX/XX/XXXX. The accounts have not been removed.

Billing statement

Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.

Cont'd attempts collect debt not owed

I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.

Incorrect information on credit report

Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.

Cont'd attempts collect debt not owed

Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.

Dealing with my lender or servicer

The loan provider took me out of deferment while I am still enrolled in school.

Problems caused by my funds being low

I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.

Improper use of your report

There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks

Incorrect information on your report

I have disputed all of these unauthorized inquiries with all three credit bureaus. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Fraud or scam

supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever

Improper use of your report

I was affected by the 2017 Equifax hack. I checked on the website and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."

Incorrect information on credit report

I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.

Improper use of your report

Trans Union in inquiry server problems created reinsert inquiries without my knowledge. <P/>Inquiries : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Attempts to collect debt not owed

sent a letter on XXXX never got anything back

Charged fees or interest I didn't expect

The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.

Credit monitoring or identity protection

My identity was stolen and I reported it to Equifax at the end of XXXX. The other reporting agencies were notified. I have received at least XXXX unwanted offers for credit cards since then. Why has n't this stopped??? It is more than 4 weeks later.

Application, originator, mortgage broker

The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.

Credit monitoring or identity theft protection services

TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires

Shopping for a loan or lease

i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. I would like this company to respond to my inquiry.

Incorrect information on your report

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.

Cont'd attempts collect debt not owed

I do not know this company and never done business with them.

Improper use of your report

i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

False statements or representation

Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.

Credit monitoring or identity theft protection services

I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!

Problem when making payments

I got a new b of a card XX/XX/XXXX. I have been trying to make a payment that was additional to my automatic payment. after 3 days on hold and several transfers, I am hold for a supervisor , I think rep just put the call mute. Could find the information I provided XX/XX/XXXX for the addiction payment. 31 minutes on hold. I can't get this issue resolved.

Balance transfer

The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.

Loan servicing, payments, escrow account

Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.

Incorrect information on your report

Trans union removed 7 inquiries off of my credit report and added them back without sending a written notification of them being placed back on my report!

Incorrect information on your report

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX

Settlement process and costs

I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept it.

Incorrect information on your report

XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond

Loan modification,collection,foreclosure

I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.

Dealing with my lender or servicer

Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.

Disclosure verification of debt

Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. They are also trying to collect on debt that is past its statute of limitations.

Incorrect information on your report

It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.

False statements or representation

This account was a payday loan from the XXXX XXXX in XXXX, XXXX. XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.

Improper use of your report

Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.

Can't repay my loan

Tried on several times to get my service sailor act rights. I was told to defer them I was not eligible for. I was told I must defer them and change to higher percentage rate. This also made more charges on my account. This has made my account increase and not helping me at all.

Improper use of my credit report

Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!

Incorrect information on credit report

Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.

Cont'd attempts collect debt not owed

i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.

Attempts to collect debt not owed

XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

Improper use of my credit report

I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.

Cont'd attempts collect debt not owed

I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.

Struggling to pay your loan

I went to XXXX XXXX downtown to trade my car in and purchase a new vehicle..While under the impression my car was being traded in, i found out i now have 2 car loans on my credit..Now that the new car is repossessed, I'm having a hard time trying to get my credit fixed when i told the manager that i was under the impression that it was a trade in.. I feel this is fraudulent

Application, originator, mortgage broker

There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible

Incorrect information on your report

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

Incorrect information on credit report

DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.

Dealing with your lender or servicer

AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.

Managing the loan or lease

I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA

Incorrect information on your report

XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have contacted my lawyer as well with this information to come to a resolution

Improper use of my credit report

I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.

Communication tactics

Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!

Communication tactics

I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.

Communication tactics

I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.

Written notification about debt

I do not have a debt and closing my case stated no further deductions. More today from Social Security & how do I get repaid for their errors?

Cont'd attempts collect debt not owed

i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.

Improper use of my credit report

TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

Loan servicing, payments, escrow account

I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.

Incorrect information on credit report

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

Improper use of your report

Called went on website and disputed nothing was done

Application processing delay

Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.

Improper use of your report

Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.

Loan servicing, payments, escrow account

I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX

Dealing with my lender or servicer

Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.

Cont'd attempts collect debt not owed

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in XXXX. Midland credit management also notified me past the statute of limitations.

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

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Took or threatened to take negative or legal action

This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!

Cont'd attempts collect debt not owed

I am being pursued for a XXXX medical bill form XXXX XXXX. I have always had private medical insurance and was covered at the time. I submitted verification of my medical insurance at the time of service and I was still billed on the error of the facility. Several attempts were made to try to clear this up as I should have only been billed for a co-payment not a {$550.00} bill.

Shopping for a loan or lease

Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.

Incorrect information on credit report

I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT

Incorrect information on your report

XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Improper use of your report

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report. The late payments can not be proven also.

Loan modification,collection,foreclosure

I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.