determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!
Incorrect information on your report	This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.
Account opening, closing, or management	My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.
Attempts to collect debt not owed	XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.
Other	I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Loan servicing, payments, escrow account	Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.
Incorrect information on your report	DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Cont'd attempts collect debt not owed	I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.
Can't repay my loan	Have never been offered any low repayment plans or anything like that or an income-based driven payment plan I 'm always in forbearance and delinquent I can not pay my loans back due to financial reasons
Problem with fraud alerts or security freezes	TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.
Cont'd attempts collect debt not owed	Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.
False statements or representation	These are over 7 years old by my ex and they keeping changing dates and amounts due. Should all be closed.
Incorrect information on your report	cra violation sent police report and all inaccurate information XXXX pd number XXXX
Managing the loan or lease	FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.
Improper contact or sharing of info	Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency
Cont'd attempts collect debt not owed	I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.
Incorrect information on your report	In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Dealing with your lender or servicer	I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.
Loan servicing, payments, escrow account	Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.
Cont'd attempts collect debt not owed	I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.
Improper use of your report	The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.
Dealing with my lender or servicer	I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.
Cont'd attempts collect debt not owed	i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.
Improper use of your report	I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.
Fraud or scam	This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please
Overdraft, savings or rewards features	XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.
Cont'd attempts collect debt not owed	Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment
Fraud or scam	Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.
Improper contact or sharing of info	Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.
Trouble using the card	I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.
Improper use of my credit report	The inquiry I did not authorize
Improper use of my credit report	Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.
Incorrect information on your report	On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts
Unauthorized transactions/trans. issues	I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.
Problems caused by my funds being low	My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.
Deposits and withdrawals	Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners.
Problems caused by my funds being low	Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.
Written notification about debt	I did not have a contract with ERC.
Incorrect information on your report	Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).
Dealing with my lender or servicer	Hard for me to repay too many fees and federal taking all my taxes
Incorrect information on credit report	All of my inquiries were deleted from Transunion and then reappeared without me being informed.
Incorrect information on your report	XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Can't repay my loan	Gave misleading information about income based repayment and did not allow for my grace period when I took a term off school or had gaps in education. Did not fully disclose my options for repayment.
Incorrect information on credit report	my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Unable to get credit report/credit score	I am having trouble getting my credit report from annual credit report from tarns union. They say it is not there fault but annual credit report`s fault.
Problems when you are unable to pay	Check n go XXXX have zero tolerance for their customers on paying them monthly.
Cont'd attempts collect debt not owed	Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached
Incorrect information on your report	There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. Verily respectfully
Incorrect information on credit report	The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX
Managing an account	TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.
Taking/threatening an illegal action	XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Closing an account	On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.
Improper use of your report	XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.
Attempts to collect debt not owed	On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.
Attempts to collect debt not owed	This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.
Incorrect information on your report	I mailed a letter to LendKey on XXXX XXXX , 2017 about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.
Making/receiving payments, sending money	Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.
Improper contact or sharing of info	This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.
Cont'd attempts collect debt not owed	The information is false and it should not be on my account I have contacted the hospital and they have no recollection of me being in the hospital on that date
False statements or representation	I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.
Improper use of your report	I was a victim of Equifax 2017 security breach
Incorrect information on credit report	Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.
Improper use of your report	I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.
Incorrect information on credit report	They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. Please Help
Credit reporting company's investigation	I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.
Getting a credit card	I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting. The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.
Disclosure verification of debt	The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.
Cont'd attempts collect debt not owed	This was a medical bill should have been billed to medical insurance.
Incorrect information on credit report	XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.
Dealing with your lender or servicer	From 2010 to current I have had issues with navient 3 times i needed to consolidate and told to put in forbearance until my approval came thru I have been paying close to 500 a month and I owe XXXX XXXX more then what I borrowed
Improper use of your report	Equifax allowed my credit data, social security number and other identifying information to be stolen.
Problem with a credit reporting company's investigation into an existing problem	Porfolio Recovery continues to report this account on my credit report which is n't my account. I 've sent my request on XXXX of XXXX for validation and never received it. They company says I owe over {$700.00} for a debt but they wont send me any proof. I tried contacting them in XXXX of XXXX and XXXX of XXXX.
Incorrect information on your report	XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.
Payoff process	My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.
Managing an account	I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks
Cont'd attempts collect debt not owed	Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.
Other	I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.
Account opening, closing, or management	I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.
Problem with a credit reporting company's investigation into an existing problem	I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths
Incorrect information on your report	Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
Improper use of your report	Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.
Other service issues	I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!
Communication tactics	on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
Incorrect information on credit report	XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.
Problem with a credit reporting company's investigation into an existing problem	Equifax allegedly conducted an investigation into my balance with XXXX XXXX XXXX however, they are still reporting incorrect information. In fact, XXXX XXXX XXXX provided documentation illustrating that the account is paid in full.
Attempts to collect debt not owed	XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.
Credit reporting company's investigation	Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past.
Cont'd attempts collect debt not owed	This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.
Communication tactics	Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day
Improper contact or sharing of info	Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.
Incorrect information on your report	Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.
Identity theft / Fraud / Embezzlement	The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.
Improper use of your report	Unauthorized credit inquiries on credit reporrs
Cont'd attempts collect debt not owed	NCB Management Services , Inc is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
Incorrect information on credit report	I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.
Customer service / Customer relations	I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.
Incorrect information on your report	My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.
Fraud or scam	Site magically goes down for " maintenance '' every time it 's a opportunity to buy XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT! XXXX being stored on there platform!!

Disclosure verification of debt

These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!

Incorrect information on your report

This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.

Account opening, closing, or management

My partner and I had difficulty opening a joint account at the Wells Fargo Bank. The Banker reported false information on our application, and stated the system shut down before he could add my partner as a signer. He collected sensitive information, including my partners SSN and phone number. Yet, neither were reported on the application that he printed out for us. We reached out to Wells Fargo, and they have not been helpful thus far.

Attempts to collect debt not owed

XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.

Other

I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

Loan servicing, payments, escrow account

Bank of America adjusted my mortgage payment amount, and failed to notify me of the change. Even though I made the payments on time, because it had adjusted upward, Bank of America applied none of the payments.This caused several late payments to appear on my credit, before I noticed them while checking my credit.

Incorrect information on your report

DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Cont'd attempts collect debt not owed

I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.

Can't repay my loan

Have never been offered any low repayment plans or anything like that or an income-based driven payment plan I 'm always in forbearance and delinquent I can not pay my loans back due to financial reasons

Problem with fraud alerts or security freezes

TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.

Cont'd attempts collect debt not owed

Old landlord is attempting to collect a debt from 2014 for missed rent. After moving out, all deposit money was returned. Landlord took us to small claims court. Judge gave a judgement and the judgement was paid for. Landlord continues to attempt to collect a false debt.

False statements or representation

These are over 7 years old by my ex and they keeping changing dates and amounts due. Should all be closed.

Incorrect information on your report

cra violation sent police report and all inaccurate information XXXX pd number XXXX

Managing the loan or lease

FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.

Improper contact or sharing of info

Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency

Cont'd attempts collect debt not owed

I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.

Incorrect information on your report

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.

Dealing with your lender or servicer

I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.

Loan servicing, payments, escrow account

Bank of America foreclosed on my home and sold my home in XXXX 2014 without having my ( PROMISSORY NOTE ) @ the time sale.I later found out that they broke the FEDERAL LAW and I lost every thing.I need LEGAL help with a BREECH of CONTRACT that they did to me.They even took my ESCROW account away from me also.

Cont'd attempts collect debt not owed

I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.

Improper use of your report

The massive hack/breach at Experian exposed my personal information. I have put a fraud alert onto my account, and will need to be extra vigilant to make sure my identity is not stolen.

Dealing with my lender or servicer

I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.

Cont'd attempts collect debt not owed

i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.

Improper use of your report

I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.

Fraud or scam

This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please

Overdraft, savings or rewards features

XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.

Cont'd attempts collect debt not owed

Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment

Fraud or scam

Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.

Improper contact or sharing of info

Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.

Trouble using the card

I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.

Improper use of my credit report

The inquiry I did not authorize

Improper use of my credit report

Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.

Incorrect information on your report

On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

Unauthorized transactions/trans. issues

I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.

Problems caused by my funds being low

My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.

Deposits and withdrawals

Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners.

Problems caused by my funds being low

Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.

Written notification about debt

I did not have a contract with ERC.

Incorrect information on your report

Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).

Dealing with my lender or servicer

Hard for me to repay too many fees and federal taking all my taxes

Incorrect information on credit report

All of my inquiries were deleted from Transunion and then reappeared without me being informed.

Incorrect information on your report

XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.

Can't repay my loan

Gave misleading information about income based repayment and did not allow for my grace period when I took a term off school or had gaps in education. Did not fully disclose my options for repayment.

Incorrect information on credit report

my bankruptcy was closed and filed XXXX2006 and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well

Unable to get credit report/credit score

I am having trouble getting my credit report from annual credit report from tarns union. They say it is not there fault but annual credit report`s fault.

Problems when you are unable to pay

Check n go XXXX have zero tolerance for their customers on paying them monthly.

Cont'd attempts collect debt not owed

Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Incorrect information on your report

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

Incorrect information on credit report

There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached

Incorrect information on your report

There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. Verily respectfully

Incorrect information on credit report

The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX

Managing an account

TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.

Taking/threatening an illegal action

XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB

Closing an account

On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.

Improper use of your report

XXXX allowed my information to be obtained by unknown parties without my consent potentially resulting in fraudulent action being taken with my personal information in the future.

Attempts to collect debt not owed

On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.

Attempts to collect debt not owed

This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.

Incorrect information on your report

I mailed a letter to LendKey on XXXX XXXX , 2017 about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.

Making/receiving payments, sending money

Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.

Improper contact or sharing of info

This bill is from a hospital emergency room as a result of a car accident that the insurance company should took care of it.

Cont'd attempts collect debt not owed

The information is false and it should not be on my account I have contacted the hospital and they have no recollection of me being in the hospital on that date

False statements or representation

I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.

Improper use of your report

I was a victim of Equifax 2017 security breach

Incorrect information on credit report

Earlier this summer I checked my credit report and all of my inquiries were deleted. When I checked it on XXXX XXXX the inquiries were back on there.

Improper use of your report

I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.

Incorrect information on credit report

They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. Please Help

Credit reporting company's investigation

I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.

Getting a credit card

I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting. The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.

Disclosure verification of debt

The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.

Cont'd attempts collect debt not owed

This was a medical bill should have been billed to medical insurance.

Incorrect information on credit report

XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.

Dealing with your lender or servicer

From 2010 to current I have had issues with navient 3 times i needed to consolidate and told to put in forbearance until my approval came thru I have been paying close to 500 a month and I owe XXXX XXXX more then what I borrowed

Improper use of your report

Equifax allowed my credit data, social security number and other identifying information to be stolen.

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

Porfolio Recovery continues to report this account on my credit report which is n't my account. I 've sent my request on XXXX of XXXX for validation and never received it. They company says I owe over {$700.00} for a debt but they wont send me any proof. I tried contacting them in XXXX of XXXX and XXXX of XXXX.

Incorrect information on your report

XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

Payoff process

My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.

Managing an account

I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks

Cont'd attempts collect debt not owed

Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.

Other

I had a Best Buy Mastercard for several years. Out of the blue I noticed a {$59.00} annual fee that was never there before. I called and was told they are now charging an annual fee so I asked them to close my account. The {$59.00} fee is still due and I have been told that I must pay it or my credit will be affected. I never paid a fee before, nor did I use the card in many months that would result in a default acceptance of the fee by using the card.

Account opening, closing, or management

I closed a checking and savings account at First Merit Bank in Ohio. I had an automatic payment setup from my credit card to use the account that I did not remember to update to my new bank account. I received an overdraft fee because the balance was {$0.00} and the transaction was not declined even though the account was closed 20 days prior to the incident.

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

I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

Incorrect information on your report

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX

Improper use of your report

Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.

Other service issues

I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!

Communication tactics

on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.

Incorrect information on credit report

XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.

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

Equifax allegedly conducted an investigation into my balance with XXXX XXXX XXXX however, they are still reporting incorrect information. In fact, XXXX XXXX XXXX provided documentation illustrating that the account is paid in full.

Attempts to collect debt not owed

XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.

Credit reporting company's investigation

Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past.

Cont'd attempts collect debt not owed

This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.

Communication tactics

Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day

Improper contact or sharing of info

Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.

Incorrect information on your report

Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.

Identity theft / Fraud / Embezzlement

The purchase was made online at XXXX XXXX XXXX in late XXXX. The amount was listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit card, in the amount of XXXX, This was in WI, I have never been there nor have done business with this company at all, ever.

Improper use of your report

Unauthorized credit inquiries on credit reporrs

Cont'd attempts collect debt not owed

NCB Management Services , Inc is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.

Incorrect information on credit report

I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.

Customer service / Customer relations

I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.

Incorrect information on your report

My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.

Fraud or scam

Site magically goes down for " maintenance '' every time it 's a opportunity to buy XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT! XXXX being stored on there platform!!