determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Improper contact or sharing of info	They would call me at my job almost everyday for a month.
Cont'd attempts collect debt not owed	i do not owe or have contracted with company claiming i owe
Cont'd attempts collect debt not owed	Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.
Communication tactics	This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.
Attempts to collect debt not owed	Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.
Incorrect information on credit report	I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.
Taking/threatening an illegal action	This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland
Communication tactics	My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.
False statements or representation	Company continues to call and state that I owe money but will not disclose to whom or for what. I do not have any outstanding debt.
Billing statement	XXXX as well as expiration/terms of promotional interest rate is not disclosed on monthly statements
Charged bank acct wrong day or amt	The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.
Managing the loan or lease	I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments
Improper use of your report	Trans union posted a hard inquiry that I didn't authorize by a company named XXXX XXXX. I live in Mississippi. This company is XXXX. I want them to take this inquiry off my report because I did not authorize it.
Problems when you are unable to pay	I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.
Cont'd attempts collect debt not owed	Payments were paid to XXXX funds, and my loan was sent to collections anyway.
Cont'd attempts collect debt not owed	I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX
Overdraft, savings or rewards features	Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}
False statements or representation	I was advised by Collection Attorney not to go to final Court Date. I was never notified of final court date.
Charged fees or interest you didn't expect	IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.
Can't repay my loan	My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.
Disclosure verification of debt	Debt has not been verified. There was no contract or signature provided.
Loan modification,collection,foreclosure	We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums.
Communication tactics	they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
Attempts to collect debt not owed	We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report
Taking/threatening an illegal action	A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.
Improper use of your report	this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.
Improper use of your report	My information was compromised as part of the Equifax security breach.
Credit monitoring or identity theft protection services	Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!
Other	CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.
Cont'd attempts collect debt not owed	I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX Today I received my XXXX credit profile only to find their derogatory tradeline displayed.
Late fee	A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them.
Incorrect information on credit report	I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
Dealing with your lender or servicer	Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.
Incorrect information on credit report	My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.
Problem with fraud alerts or security freezes	XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.
Can't stop withdrawals from your bank account	I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
Incorrect information on credit report	Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Incorrect information on credit report	Equifax has not and will not provide me with the phone number for the collection agency listed on my credit report. The collection agency 's name is XXXX.
Loan servicing, payments, escrow account	We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.
Cont'd attempts collect debt not owed	This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.
Improper use of my credit report	XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it
Other transaction issues	When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.
Account opening, closing, or management	My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.
Cont'd attempts collect debt not owed	Received phone call from XXXX XXXX. I did find out that this is a residence phone number. Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. I filed a complaint with the FCC which referred me to the FTC who referred me to you.
Cont'd attempts collect debt not owed	Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
False statements or representation	Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account
Can't contact lender	Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.
Written notification about debt	Collection Agency : Carter-Young, INCXXXX. The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.
Dealing with my lender or servicer	I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. Well they now transferred my loan to XXXX, and now I lost all of that. I now owe a payment each month I was not anticipating paying.
Can't repay my loan	I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable
Credit reporting company's investigation	fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you
Incorrect information on credit report	Previously deleted items were added onto my credit report without prior written notification. Per FRCA section 611 all items must be removed. Inquiries : XXXX XXXX XXXX/XXXX/14 XXXX XXXX XXXX/XXXX/14
Account opening, closing, or management	Wells Fargo open a saving account without my agreement or signature since 2012 and been charging me a fee of {$10.00} every XXXX of the month.
Incorrect information on credit report	Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix
Money was not available when promised	I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. My support case ID is XXXX.
Account opening, closing, or management	I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.
Unable to get credit report/credit score	XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Written notification about debt	I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.
Improper use of your report	Improper use of identity file without consent in violation of FDCPA.
Disclosure verification of debt	Would not send me any paperwork through mail. Only emailed me a form stating what I agreed to pay back. Did not say anything about where my debt was from.
Written notification about debt	I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about this issue.
Credit reporting company's investigation	I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you
Attempts to collect debt not owed	I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.
Problem with fraud alerts or security freezes	Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.
Disclosure verification of debt	I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Incorrect information on your report	I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX
Loan servicing, payments, escrow account	I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.
Credit reporting company's investigation	XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.
Problem with a credit reporting company's investigation into an existing problem	XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Improper use of my credit report	I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score
Incorrect information on credit report	old account / over XXXX years oldwas previous deleted now Reinserted
Other transaction problem	Coinbase restricted my buying. They did not offer any reason behind this action and have not responded to my complaint.
Incorrect information on your report	I t is 2017 and I have repeatedly asked all XXXX credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Taking/threatening an illegal action	XXXX has been contacting myself and my family repeatedly stating I owe a balance of {$2500.00} to US Bank from XX/XX/2007. They are threatening myself and my family with jail time and garnishments. I have spoke to US Bank and there is no record of such balance. This collection company is threatening and scaring my family, as well as making false claims of this debt to my employer.
Cont'd attempts collect debt not owed	I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Disclosure verification of debt	I see these on my credit reports but have never been contacted.
Loan modification,collection,foreclosure	I buy the house in XX/XX/XXXX, my parents got sick and I had to come to calif in XX/XX/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months!
Credit reporting company's investigation	I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.
Cont'd attempts collect debt not owed	ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. Now I 'm trying to rebuild my credit.
Customer service / Customer relations	I 'm am list as authorized user on a capital one credit card on an account that not in my name but is listed XXXX my credit report
Managing the loan or lease	I have never been late on any payments and I have also disputed with this agency with no return response Huntington National Bank Please help
Closing/Cancelling account	I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.
Cont'd attempts collect debt not owed	This debt does not belong to me and the debt collector is continually harassing me for money for a nearly 8 year old debt. I just want this to stop. I am not paying them anything.
Took or threatened to take negative or legal action	XX/XX/XXXX two family members, two friends were contacted about my credit debit. However I was not contacted. XX/XX/XXXX- offered to make payment of {$80.00} on XX/XX/XXXX XX/XX/XXXX was told I refused to make payment on XX/XX/XXXX even though I stated during the phone call I agreed to make payment on XX/XX/XXXX and was told I would be taken to jail and sued by their attorney if I didnt pay in full. Then got hung up on.
Credit reporting company's investigation	I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.
Improper contact or sharing of info	THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work.
Credit reporting company's investigation	Equifax keeps giving me a new confirmation number, and staring the process all over to correct my credit report of errors. They can not process some changes online and want copies of social security cards, drivers license etc. either by fax or mail. I.m not comfortable with that process. Also their interpretation of how long your information need to be on your credit report is different than their competitors. I believe they are wrong I do I correct that.
Problem with a credit reporting company's investigation into an existing problem	I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Delinquent account	Account was opened in XX/XX/XXXX. Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.
Loan servicing, payments, escrow account	The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month
Account opening, closing, or management	Bank of America has not provided any information of whats the cause of them putting me on XXXX, I have requested for them to send me any paper work for over 16 Months and BoA Just keeps telling me that there 's nothing on there system reporting me as fraud
Other	A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX
Dealing with your lender or servicer	one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?
Cont'd attempts collect debt not owed	Green tree calls me XXXX days a week and ask me for my sss # on the phone and will not tell me nothing. I do not owe them nothing. if they do n't stop I will get my lawyer to send them a letter and we will take it to court for a law suite
Improper use of your report	Equifax negligently allowed my personal credit data to be obtained by third parties.
Credit reporting company's investigation	I wrote to Equifax on XXXX XXXX, asking them to investigate XXXX accounts on my credit report. As of today, they have yet to respond to me in any way.
Cont'd attempts collect debt not owed	I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.
Disclosure verification of debt	I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.
Attempts to collect debt not owed	I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.

Improper contact or sharing of info

They would call me at my job almost everyday for a month.

Cont'd attempts collect debt not owed

i do not owe or have contracted with company claiming i owe

Cont'd attempts collect debt not owed

Central Credit Services continue to harass me over a {$100.00} balance owed on a workers comp claim. Work Comp has already said they are going to pay it. They do n't want to hear it. They keep insisting it 's my debt and give them my debit card or credit card so we can not have a further problem. They threaten to ruin my credit and continue to harass me all the time. They are ruthless.

Communication tactics

This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.

Attempts to collect debt not owed

Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.

Incorrect information on credit report

I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.

Taking/threatening an illegal action

This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland

Communication tactics

My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.

False statements or representation

Company continues to call and state that I owe money but will not disclose to whom or for what. I do not have any outstanding debt.

Billing statement

XXXX as well as expiration/terms of promotional interest rate is not disclosed on monthly statements

Charged bank acct wrong day or amt

The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.

Managing the loan or lease

I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments

Improper use of your report

Trans union posted a hard inquiry that I didn't authorize by a company named XXXX XXXX. I live in Mississippi. This company is XXXX. I want them to take this inquiry off my report because I did not authorize it.

Problems when you are unable to pay

I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.

Cont'd attempts collect debt not owed

Payments were paid to XXXX funds, and my loan was sent to collections anyway.

Cont'd attempts collect debt not owed

I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX

Overdraft, savings or rewards features

Ok there was a charge on my American Express card which was unauthorized XXXX I made the dispute threw my bank and they did not handle it properly they said that the merchant contact them saying that they had already paid me in a form of check I never received any check plus I thought that the money had to be put back into the card oh another the check is not even under the account holder {$4800.00}

False statements or representation

I was advised by Collection Attorney not to go to final Court Date. I was never notified of final court date.

Charged fees or interest you didn't expect

IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.

Can't repay my loan

My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.

Disclosure verification of debt

Debt has not been verified. There was no contract or signature provided.

Loan modification,collection,foreclosure

We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums.

Communication tactics

they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.

Attempts to collect debt not owed

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

Taking/threatening an illegal action

A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.

Improper use of your report

this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.

Improper use of your report

My information was compromised as part of the Equifax security breach.

Credit monitoring or identity theft protection services

Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!

Other

CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.

Cont'd attempts collect debt not owed

I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX Today I received my XXXX credit profile only to find their derogatory tradeline displayed.

Late fee

A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them.

Incorrect information on credit report

I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Dealing with your lender or servicer

Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.

Incorrect information on credit report

My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.

Problem with fraud alerts or security freezes

XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.

Can't stop withdrawals from your bank account

I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Incorrect information on credit report

Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.

Incorrect information on credit report

Equifax has not and will not provide me with the phone number for the collection agency listed on my credit report. The collection agency 's name is XXXX.

Loan servicing, payments, escrow account

We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.

Cont'd attempts collect debt not owed

This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.

Improper use of my credit report

XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it

Other transaction issues

When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.

Account opening, closing, or management

My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.

Cont'd attempts collect debt not owed

Received phone call from XXXX XXXX. I did find out that this is a residence phone number. Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. I filed a complaint with the FCC which referred me to the FTC who referred me to you.

Cont'd attempts collect debt not owed

Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.

False statements or representation

Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account

Can't contact lender

Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.

Written notification about debt

Collection Agency : Carter-Young, INCXXXX. The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.

Dealing with my lender or servicer

I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. Well they now transferred my loan to XXXX, and now I lost all of that. I now owe a payment each month I was not anticipating paying.

Can't repay my loan

I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable

Credit reporting company's investigation

fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you

Incorrect information on credit report

Previously deleted items were added onto my credit report without prior written notification. Per FRCA section 611 all items must be removed. Inquiries : XXXX XXXX XXXX/XXXX/14 XXXX XXXX XXXX/XXXX/14

Account opening, closing, or management

Wells Fargo open a saving account without my agreement or signature since 2012 and been charging me a fee of {$10.00} every XXXX of the month.

Incorrect information on credit report

Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix

Money was not available when promised

I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. My support case ID is XXXX.

Account opening, closing, or management

I received a letter from Wells Fargo regarding my online account access on XXXX XXXX, 2016. My accounts at Wells Fargo were losed and I do not have any online account access. I do not trust my information or reords were safe or up to date with the bank.

Unable to get credit report/credit score

XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.

Incorrect information on your report

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

Written notification about debt

I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.

Improper use of your report

Improper use of identity file without consent in violation of FDCPA.

Disclosure verification of debt

Would not send me any paperwork through mail. Only emailed me a form stating what I agreed to pay back. Did not say anything about where my debt was from.

Written notification about debt

I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about this issue.

Credit reporting company's investigation

I am filing this complaint because Experian has ignored my request to provide me the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you

Attempts to collect debt not owed

I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.

Problem with fraud alerts or security freezes

Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.

Disclosure verification of debt

I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Incorrect information on your report

I am contacting you because I recently was informed that there are credit inquiries on my credit report that do not belong to me and that are fraud.I contacted your company by phone but I guess it hasn't been removed because you need a copy of my police report. I am a victim of identity theft so please remove these inquires from my credit report as they are fraud. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX

Loan servicing, payments, escrow account

I believe my lender BMO Harris has incorrectly added excessive reserves to my escrow account and refuses to refund the excess stating the formula used to determine how much they can maintain over and above the amount required to pay property taxes is correct. I have contacted the their escrow department regarding this and they stated they are correct and within regulations, I however disagree.

Credit reporting company's investigation

XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.

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

XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.

Improper use of my credit report

I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score

Incorrect information on credit report

old account / over XXXX years oldwas previous deleted now Reinserted