determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper contact or sharing of info	On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
Incorrect information on credit report	XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated
Attempts to collect debt not owed	IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.
Took or threatened to take negative or legal action	I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.
Getting a loan	I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
Loan servicing, payments, escrow account	Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.
Taking/threatening an illegal action	RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.
Struggling to pay mortgage	The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Cont'd attempts collect debt not owed	I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.
Cont'd attempts collect debt not owed	Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.
Communication tactics	XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.
Incorrect information on credit report	All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current report.
Communication tactics	Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.
Problem with a credit reporting company's investigation into an existing problem	on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Disclosure verification of debt	Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.
Application processing delay	I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.
Billing disputes	I have had the care credit card since 2009 and have been charged interest. I have not received the refund claim form from care credit. Is there any way Ican receive one?
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Loan servicing, payments, escrow account	in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.
Incorrect information on credit report	XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false
Attempts to collect debt not owed	The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.
Struggling to pay mortgage	I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.
Application, originator, mortgage broker	I suspect they produced a forged note
Attempts to collect debt not owed	We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX XXXX it 's now on my credit report as a tax right off need it taken off my credit report
Incorrect information on credit report	I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.
Improper contact or sharing of info	Community Bank contacted my father. We are estranged and they were never given that contact information or permission. He was called today XX/XX/2017
Loan modification,collection,foreclosure	I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. I am attaching the XXXX fax confirmations.
Communication tactics	American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.
Using a debit or ATM card	money was fraudulently withdrawn from my checking account using my debit card. the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.
Getting a credit card	XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.
Incorrect information on your report	cra violaton inaccurate
Advertising and marketing	US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.
Problems when you are unable to pay	Still reporting the debt when it is past the reporting time for a loan please stop reporting and ruining my credit
Disclosure verification of debt	Unknown item listed on my credit file, I dispute and request validation and nothing happens.
Loan servicing, payments, escrow account	I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.
Billing disputes	XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}
Credit reporting company's investigation	i did n't receive any information about this collection. i also disputed a collection that was vacated.
Fraud or scam	on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account
Incorrect information on credit report	we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all
Dealing with my lender or servicer	They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.
Dealing with my lender or servicer	I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report
Incorrect information on your report	I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.
Incorrect information on credit report	I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.
Making/receiving payments, sending money	Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.
Application, originator, mortgage broker	chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.
Disclosure verification of debt	Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.
Cont'd attempts collect debt not owed	All my debts were included in my bankruptcy Inalready sent all the information to stop collection.
Incorrect information on credit report	XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX
Incorrect information on your report	XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Improper contact or sharing of info	Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX
Payoff process	A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.
Incorrect information on credit report	Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years
Unable to get credit report/credit score	Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help
Managing the loan or lease	This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit
Advertising and marketing	I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.
Communication tactics	XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.
Struggling to repay your loan	First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.
Incorrect information on credit report	they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015
Deposits and withdrawals	I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!
Communication tactics	I INDEED HAD RECEIVED TOO MANY PHONE CALLS FROM MIDLAND CREDIT MANAGEMENT, INC. AND EVEN OF DEBTS THAT I DO N'T EVEN HAVE. I ASKED FOR A REFUND AS I RECEIVED A LETTER ( CARD ) FROM THEM THOUGH In re Midland XXXX Claims Ad. and I answered to their refund card to request my refund and I never received it. I WANT MY REFUND!
Settlement process and costs	My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.
Incorrect information on your report	this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. this is not mine.
Disclosure verification of debt	I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.
Struggling to pay your loan	I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job XXXX XXXX
Incorrect information on credit report	Credit history request- never authorized, company not recognized
Disclosure verification of debt	I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA
Incorrect information on credit report	There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help
Incorrect information on credit report	there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of XXXX
Loan modification,collection,foreclosure	NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.
Incorrect information on your report	I have disputed this information and they keep reporting this account on my report. XXXX XXXX XXXX
Struggling to repay your loan	Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.
Loan servicing, payments, escrow account	I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.
Cont'd attempts collect debt not owed	My insurance company already paid this bill but for some reason it 's still on my report
Written notification about debt	X/X/14 had XXXX XXXX . I was XXXX XXXX XXXX . My parents insurance paid part of debt. Parent signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on X/X/14
Incorrect information on credit report	I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.
Written notification about debt	I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}
Written notification about debt	The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.
Threatened to contact someone or share information improperly	This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om X/XX/ 17.
Dealing with my lender or servicer	I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.
Attempts to collect debt not owed	This company is a debt collector and I have not signed a contract with them.
Loan servicing, payments, escrow account	Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.
Cont'd attempts collect debt not owed	I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.
Closing/Cancelling account	Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C
Problem when making payments	I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.
Incorrect information on your report	I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact
Loan modification,collection,foreclosure	I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.
Charged fees or interest you didn't expect	I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.
Written notification about debt	On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.
Can't repay my loan	In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.
Attempts to collect debt not owed	I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
Dealing with my lender or servicer	On XXXX/XXXX/2014, I was granted and approved for XXXX application Account # XXXX, to discharge my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and FFEL Consolidated by Nelnet. On my XXXX and XXXX Credit reports under Dept Of ED XXXX/NELNET it states that XXXX and XXXX were paid over XXXX through ; XXXX XXXX, and XXXX XXXX stating that these accounts were transferred and reported this to all XXXX credit bureaus. This is incorrect. NELNET
Incorrect information on your report	I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are XXXX XXXX opened XX/XX/XXXX with a balance of {$1000.00}, XXXX opened XX/XX/XXXX with a balance of {$480.00}, & ( XXXX ) XXXX XXXX XXXX accounts XXXX opened XX/XX/XXXX with a balance of {$40.00} each.
Communication tactics	I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.
Incorrect information on credit report	Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.
Problem caused by your funds being low	Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.
Other features, terms, or problems	An overpayment was made via XXXX XXXX transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.
Incorrect information on your report	XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. This was fraud as I did not apply for one from them. I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.
Struggling to pay your loan	Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )

Improper contact or sharing of info

On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Incorrect information on credit report

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated

Attempts to collect debt not owed

IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.

Took or threatened to take negative or legal action

I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.

Getting a loan

I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.

Loan servicing, payments, escrow account

Myself, my wife, and our son are all co-borrowers on this loan. All three of us are also on title to the property that secures the loan. Our son is now making the mortgage payments and we asked the lender to list his name and his social security number first so that he can claim the mortgage interest deduction. They have refused, saying they are unable to do so.

Taking/threatening an illegal action

RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX XXXX.

Struggling to pay mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Cont'd attempts collect debt not owed

I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.

Cont'd attempts collect debt not owed

Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.

Communication tactics

XXXX representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Incorrect information on credit report

All of the accounts listed have been removed by both XXXX and XXXX. Experian is continuing to report all of the accounts on my current report.

Communication tactics

Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.

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

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.

Disclosure verification of debt

Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.

Application processing delay

I applied for the BBVA XXXX XXXX XXXX card on XXXX/XXXX/XXXX and received my denial letter on XXXX/XXXX/XXXX. The stated reason was " unable to verify identifying information ''. This reason is complete bogus and I have several friends who have received this same denial reason. I have not changed my address in 13 years and have no fraud alerts on my credit report. I take safe guards to manage and protect my credit and this denial reason is completely bogus.

Billing disputes

I have had the care credit card since 2009 and have been charged interest. I have not received the refund claim form from care credit. Is there any way Ican receive one?

Incorrect information on your report

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

Loan servicing, payments, escrow account

in an active dispute with Wells Fargo and they have locked me out of my account so I can not make my monthly payment forcing me to go over the 90 days down.

Incorrect information on credit report

XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false

Attempts to collect debt not owed

The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.

Struggling to pay mortgage

I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.

Application, originator, mortgage broker

I suspect they produced a forged note

Attempts to collect debt not owed

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX XXXX it 's now on my credit report as a tax right off need it taken off my credit report

Incorrect information on credit report

I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.

Improper contact or sharing of info

Community Bank contacted my father. We are estranged and they were never given that contact information or permission. He was called today XX/XX/2017

Loan modification,collection,foreclosure

I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. I am attaching the XXXX fax confirmations.

Communication tactics

American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.

Using a debit or ATM card

money was fraudulently withdrawn from my checking account using my debit card. the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.

Getting a credit card

XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.

Incorrect information on your report

cra violaton inaccurate

Advertising and marketing

US Bank has engaged in deceptive advertising. They enticed me to sign up for their credit card and pay an annual fee with promised benefits, and then took away the most valuable benefit -- the XXXX " free night '' benefit. This is wrong and dishonest.

Problems when you are unable to pay

Still reporting the debt when it is past the reporting time for a loan please stop reporting and ruining my credit

Disclosure verification of debt

Unknown item listed on my credit file, I dispute and request validation and nothing happens.

Loan servicing, payments, escrow account

I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.

Billing disputes

XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}

Credit reporting company's investigation

i did n't receive any information about this collection. i also disputed a collection that was vacated.

Fraud or scam

on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account

Incorrect information on credit report

we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all

Dealing with my lender or servicer

They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.

Dealing with my lender or servicer

I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report

Incorrect information on your report

I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.

Incorrect information on credit report

I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.

Making/receiving payments, sending money

Hello, I am trying to resolve an issue with Bancorp South regarding a charge filed on 2014 by XXXX XXXX XX/XX/<YYYY> in the amount of {$400.00}. For detailed explanation, please refer to attached letter.

Application, originator, mortgage broker

chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.

Disclosure verification of debt

Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.

Cont'd attempts collect debt not owed

All my debts were included in my bankruptcy Inalready sent all the information to stop collection.

Incorrect information on credit report

XXXX is reporting a charge of {$120.00} on my Equifax credit report showing open still.They have not reported this charge since XX/XX/2016 and they informed me that they would close the account but it still shows open on my Equifax report.Their address is mentioned below : XXXX, NY XXXX Telephone No : XXXX

Incorrect information on your report

XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Improper contact or sharing of info

Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX

Payoff process

A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.

Incorrect information on credit report

Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years

Unable to get credit report/credit score

Equifax has my credit file with their consumer relations department. The past 2 years I have not been able to access my report or score online. I have spoken with them on numerous occasions. I have yet been given a reason for this. So what that boils down to, whenever I need my report their is a charge. I ca n't even access it on XXXX. This makes it extremely difficult to monitor my report. Please help

Managing the loan or lease

This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit

Advertising and marketing

I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.

Communication tactics

XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.

Struggling to repay your loan

First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.

Incorrect information on credit report

they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015

Deposits and withdrawals

I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!

Communication tactics

I INDEED HAD RECEIVED TOO MANY PHONE CALLS FROM MIDLAND CREDIT MANAGEMENT, INC. AND EVEN OF DEBTS THAT I DO N'T EVEN HAVE. I ASKED FOR A REFUND AS I RECEIVED A LETTER ( CARD ) FROM THEM THOUGH In re Midland XXXX Claims Ad. and I answered to their refund card to request my refund and I never received it. I WANT MY REFUND!

Settlement process and costs

My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.

Incorrect information on your report

this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. this is not mine.

Disclosure verification of debt

I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.

Struggling to pay your loan

I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job XXXX XXXX

Incorrect information on credit report

Credit history request- never authorized, company not recognized

Disclosure verification of debt

I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA

Incorrect information on credit report

There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help

Incorrect information on credit report

there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,

Incorrect information on your report

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

Incorrect information on your report

XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of XXXX

Loan modification,collection,foreclosure

NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.

Incorrect information on your report

I have disputed this information and they keep reporting this account on my report. XXXX XXXX XXXX

Struggling to repay your loan

Received a call from Premier Student Loan Center saying they could defer my student loan payment totals and consolidate my loans. I think it is a scam because I tried calling to cancel and opt out, which I was told I could do at any time, and the people answering the phone would immediately hang up on me when I would ask to opt out.

Loan servicing, payments, escrow account

I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.

Cont'd attempts collect debt not owed

My insurance company already paid this bill but for some reason it 's still on my report

Written notification about debt

X/X/14 had XXXX XXXX . I was XXXX XXXX XXXX . My parents insurance paid part of debt. Parent signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on X/X/14

Incorrect information on credit report

I notified equifax and all the credit card companies that are on my credit report via a business letter. It has been about 2 weeks and I have not gotten any letters in the mail or emails concerning my case.

Written notification about debt

I have paid the balance off and this is still showing on my credit report. I found this out while applying for a mortgage loan and this is affecting the approval process. XXXX : ( medical ) opened : XXXX reported : XXXX balance : {$0.00}

Written notification about debt

The car was repoed. I spoke with a customer service rep and told her I lost my job and couldnt afford the car, I asked if they could come pick the car up bc I wasnt able to pay. No one never came until about 5 months later.

Threatened to contact someone or share information improperly

This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om X/XX/ 17.

Dealing with my lender or servicer

I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.

Attempts to collect debt not owed

This company is a debt collector and I have not signed a contract with them.

Loan servicing, payments, escrow account

Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.

Cont'd attempts collect debt not owed

I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.

Closing/Cancelling account

Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C

Problem when making payments

I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.

Incorrect information on your report

I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Loan modification,collection,foreclosure

I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.

Charged fees or interest you didn't expect

I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.

Written notification about debt

On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.

Can't repay my loan

In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.

Attempts to collect debt not owed

I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.

Dealing with my lender or servicer

On XXXX/XXXX/2014, I was granted and approved for XXXX application Account # XXXX, to discharge my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and FFEL Consolidated by Nelnet. On my XXXX and XXXX Credit reports under Dept Of ED XXXX/NELNET it states that XXXX and XXXX were paid over XXXX through ; XXXX XXXX, and XXXX XXXX stating that these accounts were transferred and reported this to all XXXX credit bureaus. This is incorrect. NELNET

Incorrect information on your report

I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are XXXX XXXX opened XX/XX/XXXX with a balance of {$1000.00}, XXXX opened XX/XX/XXXX with a balance of {$480.00}, & ( XXXX ) XXXX XXXX XXXX accounts XXXX opened XX/XX/XXXX with a balance of {$40.00} each.

Communication tactics

I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.

Incorrect information on credit report

Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.

Problem caused by your funds being low

Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.

Other features, terms, or problems

An overpayment was made via XXXX XXXX transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.

Incorrect information on your report

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. This was fraud as I did not apply for one from them. I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.

Struggling to pay your loan

Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )