determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Charged fees or interest you didn't expect	I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}. I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..
Cont'd attempts collect debt not owed	I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.
Account opening, closing, or management	I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.
False statements or representation	The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.
Improper use of your report	My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.
Fraud or scam	During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.
Taking/threatening an illegal action	Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
Communication tactics	This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.
Taking/threatening an illegal action	debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in XXXX
Incorrect information on your report	I have no knowledge of this account ... XXXX
Attempts to collect debt not owed	Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.
Deposits and withdrawals	I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.
Disclosure verification of debt	No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.
Disclosure verification of debt	Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus
Took or threatened to take negative or legal action	I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.
Can't repay my loan	Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from
Can't contact lender	I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.
Improper use of your report	XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Problem with fraud alerts or security freezes	Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.
Took or threatened to take negative or legal action	This company is attempting to collect on a debt that became a judgement on XXXX / XXXX / 2008 . In NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.
Unable to get credit report/credit score	MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT
Unable to get credit report/credit score	Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.
Credit monitoring or identity theft protection services	XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list
Getting a credit card	XXXX XXXX My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for XXXX XXXX XXXX XXXX XXXX XXXX that I did n't open also a Kohls credit card with {$400.00}.
Incorrect information on credit report	My XXXX was recorded wrong.
Problem with a credit reporting company's investigation into an existing problem	All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus. Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.
Cont'd attempts collect debt not owed	I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.
Improper contact or sharing of info	I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years
Cont'd attempts collect debt not owed	I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.
Transaction issue	I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.
Other	I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.
Credit reporting company's investigation	Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.
Charged fees or interest I didn't expect	My balance was under {$50.00} and they added charges totaling over {$500.00}
Incorrect information on credit report	XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.
Incorrect information on your report	I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX
Incorrect information on credit report	Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.
Taking/threatening an illegal action	This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.
Improper use of your report	On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Incorrect information on your report	XXXX XXXX charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel. I called the home office and they claimed they cancelled it for me. a year later I get a letter from a collection agency. 1. We never asked for the service 2. XXXX assured us this would be resolved.
Incorrect information on credit report	American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.
Incorrect information on your report	The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
Incorrect information on your report	Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.
Incorrect information on your report	THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE
Dealing with my lender or servicer	American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.
Incorrect information on your report	The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.
Problem with fraud alerts or security freezes	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on your report	This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.
Application, originator, mortgage broker	I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.
Struggling to pay mortgage	The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.
Incorrect information on your report	I have these accounts on my credit report that are more than 7 years old and should have been deleted. 1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}
Communication tactics	Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.
Loan servicing, payments, escrow account	PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful
Communication tactics	Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.
Incorrect information on your report	FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Loan servicing, payments, escrow account	There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.
Incorrect information on credit report	I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?
Incorrect information on credit report	I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it!
Cont'd attempts collect debt not owed	Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
Fraud or scam	I sent XXXX different transfers to a fraudster XXXX me. I sent XXXX on XXXX and XXXX on XXXX . I used moneygram and they said they could not refund me.
Trouble during payment process	They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.
Attempts to collect debt not owed	Disover bank has threatened me with a law suit.
Threatened to contact someone or share information improperly	Because i was trying to pay XXXX a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is XXXX a month and they told me i had to pay XXXX are my interate will keep going up which i dont have XXXX a month
Other	I had XXXX accounts with synchrony bank. I did not owe them any money. When I claimed bankruptcy, they automatically closed my XXXX accounts because my name was pulled from a database. I am trying to buy a home, now, and these XXXX accounts are showing up on my credit report erroneously. They show that they were filed under bankruptcy, which is totally untrue.
Improper use of my credit report	On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
Managing the loan or lease	I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.
Incorrect information on your report	I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. Chase refused to remove the lates of my credit report.
Incorrect information on credit report	Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.
Cont'd attempts collect debt not owed	ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.
Application, originator, mortgage broker	Based on the evidence that I have found it appears that my Mortgage Loan Payoff was overcharged when it was refinanced in 2001. The overcharge carried over into my new loan which caused further overcharges in compound interest. The overcharged payoff also created an incorrect loan to value ratio that extended my payments for the required Mortgage Insurance Premium.
Communication tactics	I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.
Problem with a purchase shown on your statement	Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.
Account opening, closing, or management	There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!
Dealing with my lender or servicer	My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation
Credit reporting company's investigation	Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.
Incorrect information on credit report	We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.
Incorrect information on credit report	There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit
Incorrect information on your report	There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed
Charged fees or interest I didn't expect	The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.
Dealing with my lender or servicer	I saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.
Improper contact or sharing of info	Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME.
Incorrect information on credit report	It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You
Problems at the end of the loan or lease	i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck
Incorrect information on credit report	There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.
Account opening, closing, or management	I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.
Managing an account	Wells Fargo Bank charged me XXXX XXXX times in a month the reason cause I made over XXXX transactions and the bank rep. said its the the law. This was not a below balance amount.
Making/receiving payments, sending money	Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.
Incorrect information on your report	please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank you
Improper contact or sharing of info	I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.
Trouble during payment process	XX/XX/XXXX CFPB : RESPA Section 6 - Please have JPMChase refund to me its erroneou s XX/XX/XXXX {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error. Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX
Improper use of my credit report	XXXX financial checked my credit without my permission on several occasions.
Incorrect information on credit report	I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
Can't repay my loan	When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.
Attempts to collect debt not owed	I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Cont'd attempts collect debt not owed	Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,
Loan modification,collection,foreclosure	Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.
Improper use of my credit report	There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.
Dealing with my lender or servicer	So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?
Incorrect information on credit report	The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!

Charged fees or interest you didn't expect

I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}. I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..

Cont'd attempts collect debt not owed

I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.

Account opening, closing, or management

I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.

False statements or representation

The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.

Improper use of your report

My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.

Fraud or scam

During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.

Taking/threatening an illegal action

Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

Communication tactics

This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.

Taking/threatening an illegal action

debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in XXXX

Incorrect information on your report

I have no knowledge of this account ... XXXX

Attempts to collect debt not owed

Showing incorrect debt owed on my credit report from Amcol Systems Inc. The date claimes to be opened XXXX 2015. This is not my debt.

Deposits and withdrawals

I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.

Disclosure verification of debt

No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.

Disclosure verification of debt

Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus

Took or threatened to take negative or legal action

I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.

Can't repay my loan

Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from

Can't contact lender

I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.

Improper use of your report

XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

Incorrect information on your report

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

Problem with fraud alerts or security freezes

Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.

Took or threatened to take negative or legal action

This company is attempting to collect on a debt that became a judgement on XXXX / XXXX / 2008 . In NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Unable to get credit report/credit score

MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT

Unable to get credit report/credit score

Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.

Credit monitoring or identity theft protection services

XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

Getting a credit card

XXXX XXXX My wallet was stole with my driver license social security card and other items now I 'm being sent a bill for {$600.00} for XXXX XXXX XXXX XXXX XXXX XXXX that I did n't open also a Kohls credit card with {$400.00}.

Incorrect information on credit report

My XXXX was recorded wrong.

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

All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus. Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.

Cont'd attempts collect debt not owed

I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.

Improper contact or sharing of info

I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years

Cont'd attempts collect debt not owed

I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.

Transaction issue

I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.

Other

I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.

Credit reporting company's investigation

Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.

Charged fees or interest I didn't expect

My balance was under {$50.00} and they added charges totaling over {$500.00}

Incorrect information on credit report

XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.

Incorrect information on your report

I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX

Incorrect information on credit report

Eqifax reported information on my account incorrect XXXX appears in my account as a a collection record. I have no knot of this account. This account was previously deleted and now has appeared on my report XXXX.

Taking/threatening an illegal action

This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.

Improper use of your report

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?

Incorrect information on your report

XXXX XXXX charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel. I called the home office and they claimed they cancelled it for me. a year later I get a letter from a collection agency. 1. We never asked for the service 2. XXXX assured us this would be resolved.

Incorrect information on credit report

American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.

Incorrect information on your report

The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX

Incorrect information on your report

Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.

Incorrect information on your report

THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Dealing with my lender or servicer

American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.

Incorrect information on your report

The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.

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

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

Problem with fraud alerts or security freezes

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

Incorrect information on your report

This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.

Application, originator, mortgage broker

I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.

Struggling to pay mortgage

The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.

Incorrect information on your report

I have these accounts on my credit report that are more than 7 years old and should have been deleted. 1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

Communication tactics

Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.

Loan servicing, payments, escrow account

PHH Mortgage aka XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, NJ XXXX has been totally misleading, lying & derelict in their duties. I paid off my mortgage on XXXX XXXX, 2015 & to date ( 4 months later ) I have not received my paid in full documents. I have sent 2 letters & spoke with representatives on 4 different occasions without any action, callbacks, or results. They all just lied & said they would take care of it. Just awful

Communication tactics

Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.

Incorrect information on your report

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX

Loan servicing, payments, escrow account

There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.

Incorrect information on credit report

I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?

Incorrect information on credit report

I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it!

Cont'd attempts collect debt not owed

Creditors Bureau USA acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

Fraud or scam

I sent XXXX different transfers to a fraudster XXXX me. I sent XXXX on XXXX and XXXX on XXXX . I used moneygram and they said they could not refund me.

Trouble during payment process

They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.

Attempts to collect debt not owed

Disover bank has threatened me with a law suit.

Threatened to contact someone or share information improperly

Because i was trying to pay XXXX a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is XXXX a month and they told me i had to pay XXXX are my interate will keep going up which i dont have XXXX a month

Other

I had XXXX accounts with synchrony bank. I did not owe them any money. When I claimed bankruptcy, they automatically closed my XXXX accounts because my name was pulled from a database. I am trying to buy a home, now, and these XXXX accounts are showing up on my credit report erroneously. They show that they were filed under bankruptcy, which is totally untrue.

Improper use of my credit report

On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Managing the loan or lease

I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.

Incorrect information on your report

I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. Chase refused to remove the lates of my credit report.

Incorrect information on credit report

Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.

Cont'd attempts collect debt not owed

ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.

Application, originator, mortgage broker

Based on the evidence that I have found it appears that my Mortgage Loan Payoff was overcharged when it was refinanced in 2001. The overcharge carried over into my new loan which caused further overcharges in compound interest. The overcharged payoff also created an incorrect loan to value ratio that extended my payments for the required Mortgage Insurance Premium.

Communication tactics

I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.

Problem with a purchase shown on your statement

Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.

Account opening, closing, or management

There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!

Dealing with my lender or servicer

My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation

Credit reporting company's investigation

Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.

Incorrect information on credit report

We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.

Incorrect information on credit report

There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit

Incorrect information on your report

There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed

Charged fees or interest I didn't expect

The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.

Dealing with my lender or servicer

I saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.

Improper contact or sharing of info

Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO ME.

Incorrect information on credit report

It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You

Problems at the end of the loan or lease

i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck

Incorrect information on credit report

There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.

Account opening, closing, or management

I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.

Managing an account

Wells Fargo Bank charged me XXXX XXXX times in a month the reason cause I made over XXXX transactions and the bank rep. said its the the law. This was not a below balance amount.

Making/receiving payments, sending money

Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.

Incorrect information on your report

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank you

Improper contact or sharing of info

I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.

Trouble during payment process

XX/XX/XXXX CFPB : RESPA Section 6 - Please have JPMChase refund to me its erroneou s XX/XX/XXXX {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error. Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX

Improper use of my credit report

XXXX financial checked my credit without my permission on several occasions.

Incorrect information on credit report

I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.

Can't repay my loan

When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.

Attempts to collect debt not owed

I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.

Cont'd attempts collect debt not owed

Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,

Loan modification,collection,foreclosure

Servicer has been avoiding compliance with XXXX guidelines and CFPB rules for proceeding to a foreclosure sale when a loss mitigation application is still pending.

Improper use of my credit report

There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.

Dealing with my lender or servicer

So much of my payments go towards interest rather than principal. At times, when I would pay more than my required monthly minimum, that extra money went directly towards interest. The first year and a half that I began paying ( 2011 ), all of my payment went towards interest and nothing went towards the principal. Is that normal?

Incorrect information on credit report

The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!