determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.
Unsolicited issuance of credit card	A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.
Taking/threatening an illegal action	I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.
Deposits and withdrawals	ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.
Incorrect information on your report	I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Loan servicing, payments, escrow account	My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.
Managing the loan or lease	When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. Cordially, XXXX
Using a debit or ATM card	XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.
Incorrect information on your report	There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. I have had this problem for over 20 years. He owes back child support. I am XXXX with XXXX children. Please help Thank you
Problem with the payoff process at the end of the loan	They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated
Taking/threatening an illegal action	I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.
Incorrect information on your report	I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Incorrect information on your report	Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.
Incorrect information on your report	I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
False statements or representation	LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.
Closing/Cancelling account	Debt buyer submitted only affadavit and no other proof of ownership
Incorrect information on your report	I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX XXXX XXXX # XXXX
False statements or representation	XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
Communication tactics	XX/XX/2018 they keep calling every day sometimes three or four times a day.
Incorrect information on your report	CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE
Other	CAPITAL ONE BANK USA NA made an unauthorized credit inquiry to my XXXX credit file
Written notification about debt	I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
False statements or representation	Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.
Loan modification,collection,foreclosure	I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.
Incorrect information on credit report	The XXXX of XXXX of XXXX have no record that I owe any debt.
Communication tactics	spam call everyday. owe no debt so please go after these XXXX.
Problem when making payments	when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep
Written notification about debt	FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them. I don't owe XXXX to FRANKLIN COLLECTION SERVICES and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.
Communication tactics	received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.
Incorrect information on your report	I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.
Dealing with my lender or servicer	Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.
Incorrect information on your report	I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). Thank you and hoping for your kind consideration on this matter.
Account opening, closing, or management	Navy Federal Credit Union blocked access to my checking, savings, IRA and credit card accounts. I 've called for the past four weeks and I 've been informed that only one person can explain what is going on. I 've left numerous voicemails for XXXX in their Security Department and he has not returned my calls and no one can provide me with answers on why I am not able to access my account.
Incorrect information on credit report	this not my report # XXXX so please remove from all XXXX reports
Problems caused by my funds being low	I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.
Cont'd attempts collect debt not owed	Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.
Problems caused by my funds being low	The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. They chose to process debits before the credit which was deposited 3 days prior. this is a common dishonest practice and I want the XXXX back!
Cont'd attempts collect debt not owed	National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.
Incorrect information on credit report	The bill from XXXX was incurred after equipment was returned to XXXX
Loan modification,collection,foreclosure	I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. I want to keep my home, I just need help.
Loan servicing, payments, escrow account	My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.
Incorrect information on your report	This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.
Communication tactics	NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.
Taking/threatening an illegal action	This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.
Disclosure verification of debt	Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. I never got a letter from them just a calls. I checked my credit score today and because of them my credit dropped a lot.
Problem with a company's investigation into an existing issue	My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.
Incorrect information on credit report	I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.
Improper use of your report	Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Struggling to pay your loan	I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.
Incorrect information on credit report	The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on my credit report
Incorrect information on credit report	Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show XXXX XXXX XXXX.
Incorrect information on credit report	XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
Billing disputes	Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. )
Deposits and withdrawals	I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. Specifically, I seek clarification on whether my passwords were encrypted or hashed. Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Incorrect information on your report	Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX
Account opening, closing, or management	Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? Thank XXXX
Cont'd attempts collect debt not owed	I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you
Communication tactics	They constantly call 12 times or more in one day. Once is understandable but 12 times on a Saturday and Sunday is aggressive and on the weekdays they call at least 25 times a day.
Wrong amount charged or received	I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.
Loan servicing, payments, escrow account	I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments
Incorrect information on your report	I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.
Problem caused by your funds being low	On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...
Charged fees or interest you didn't expect	I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.
Disclosure verification of debt	Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.
Can't repay my loan	My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.
Incorrect information on credit report	I have contacted XXXX and they said they do not have any record of this discrepancy on my account.
False statements or representation	There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report
Improper use of your report	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.
Dealing with your lender or servicer	The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!
Improper use of your report	Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.
Problem with a credit reporting company's investigation into an existing problem	The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.
Attempts to collect debt not owed	Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.
Fraud or scam	Last week i was surpose to get my money in my rushcard account but my money was not in it. I called some many times. I would look on my account. To see if it posted and it is not. Now it the last week of XXXX and i still did not received my last week pay. What is going on. I need my money now. I know i have my money in the account but with the glitch and cant access my account i have no money now.
Dealing with your lender or servicer	When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.
Dealing with my lender or servicer	I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!
Incorrect information on your report	My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/> There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Disclosure verification of debt	This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.
Cont'd attempts collect debt not owed	I do n't know which XXXX XXXX XXXX is this account reported to you
Late fee	I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.
Loan servicing, payments, escrow account	Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. Now Iam facing foreclosure.
Incorrect information on your report	In XXXX a tax lien was filed against me in XXXX County Superior Court. This tax lien was released in XXXX and should have been removed from my file 7 years from the date of filing ( which would have been XXXX XXXX , XXXX ). Both XXXX and XXXX are refusing to remove this from my credit report.
Dealing with your lender or servicer	American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.
Loan servicing, payments, escrow account	Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.
Loan modification,collection,foreclosure	Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX
Written notification about debt	ON XXXX XXXX , 2017 I pulle d my CR from all XXXX major bureaus ( XXXX , XXXX , XXXX ) and noticed that a ERC ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and that it was established in XXXX 2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.
False statements or representation	This account has inaccurate information date opened XXXX2013 with a balance XXXX $
Cont'd attempts collect debt not owed	I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.
Incorrect information on credit report	A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.
Advertising, marketing or disclosures	they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.
Unable to get credit report/credit score	i was looking up all my credit reports and i got all of the except eqifax it said it was under maintance it did that last time to me to
Using a debit or ATM card	The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!
Improper use of your report	I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
Improper use of your report	My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.
Deposits and withdrawals	On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?
Communication tactics	WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND
Dealing with my lender or servicer	Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.
Improper use of your report	Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Communication tactics	XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.
Incorrect information on your report	I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
Incorrect information on your report	I have contacted the credit reporting agency, they have not responded in a timely manner

Account opening, closing, or management

Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards.

Unsolicited issuance of credit card

A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.

Taking/threatening an illegal action

I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.

Deposits and withdrawals

ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.

Incorrect information on your report

I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

Loan servicing, payments, escrow account

My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.

Managing the loan or lease

When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. Cordially, XXXX

Using a debit or ATM card

XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.

Incorrect information on your report

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. I have had this problem for over 20 years. He owes back child support. I am XXXX with XXXX children. Please help Thank you

Problem with the payoff process at the end of the loan

They 're waiting for updated from Bank of America to give me my loan and you guys have n't sent them updated

Taking/threatening an illegal action

I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.

Incorrect information on your report

I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Incorrect information on your report

Address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX This not my address, I never live here. Can you please remove this from my credit report history.

Incorrect information on your report

I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

False statements or representation

LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.

Closing/Cancelling account

Debt buyer submitted only affadavit and no other proof of ownership

Incorrect information on your report

I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX XXXX XXXX # XXXX

False statements or representation

XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

Communication tactics

XX/XX/2018 they keep calling every day sometimes three or four times a day.

Incorrect information on your report

CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

Other

CAPITAL ONE BANK USA NA made an unauthorized credit inquiry to my XXXX credit file

Written notification about debt

I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

False statements or representation

Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.

Loan modification,collection,foreclosure

I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.

Incorrect information on credit report

The XXXX of XXXX of XXXX have no record that I owe any debt.

Communication tactics

spam call everyday. owe no debt so please go after these XXXX.

Problem when making payments

when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep

Written notification about debt

FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them. I don't owe XXXX to FRANKLIN COLLECTION SERVICES and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.

Communication tactics

received repeat calls from a rude / hostile guy regarding XXXX XXXX XXXX. He continued to call after being asked not to contact me because I do not have a contract with Hunter Warfield.

Incorrect information on your report

I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.

Dealing with my lender or servicer

Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.

Incorrect information on your report

I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). Thank you and hoping for your kind consideration on this matter.

Account opening, closing, or management

Navy Federal Credit Union blocked access to my checking, savings, IRA and credit card accounts. I 've called for the past four weeks and I 've been informed that only one person can explain what is going on. I 've left numerous voicemails for XXXX in their Security Department and he has not returned my calls and no one can provide me with answers on why I am not able to access my account.

Incorrect information on credit report

this not my report # XXXX so please remove from all XXXX reports

Problems caused by my funds being low

I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.

Cont'd attempts collect debt not owed

Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.

Problems caused by my funds being low

The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. They chose to process debits before the credit which was deposited 3 days prior. this is a common dishonest practice and I want the XXXX back!

Cont'd attempts collect debt not owed

National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.

Incorrect information on credit report

The bill from XXXX was incurred after equipment was returned to XXXX

Loan modification,collection,foreclosure

I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. I want to keep my home, I just need help.

Loan servicing, payments, escrow account

My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.

Incorrect information on your report

This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.

Communication tactics

NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.

Taking/threatening an illegal action

This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.

Disclosure verification of debt

Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. I never got a letter from them just a calls. I checked my credit score today and because of them my credit dropped a lot.

Problem with a company's investigation into an existing issue

My data has been compromised through the Equifax Security Breach. This release of information will results in life long issues for me that may compromise my financial security. To date Equifax has not made any attempt to contact me or relay the information.

Incorrect information on credit report

I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.

Improper use of your report

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Struggling to pay your loan

I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.

Incorrect information on credit report

The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on my credit report

Incorrect information on credit report

Transunion is still showing incorrect name related to me. I am XXXX XXXX XXXX and they show either XXXX XXXX XXXX and they also show XXXX XXXX XXXX.

Incorrect information on credit report

XXXX XXXX XXXX has reported to XXXX incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times

Billing disputes

Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. )

Deposits and withdrawals

I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. Specifically, I seek clarification on whether my passwords were encrypted or hashed. Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Incorrect information on your report

Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX

Account opening, closing, or management

Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? Thank XXXX

Cont'd attempts collect debt not owed

I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you

Communication tactics

They constantly call 12 times or more in one day. Once is understandable but 12 times on a Saturday and Sunday is aggressive and on the weekdays they call at least 25 times a day.

Wrong amount charged or received

I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.

Loan servicing, payments, escrow account

I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments

Incorrect information on your report

I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

Problem caused by your funds being low

On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...

Charged fees or interest you didn't expect

I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.

Disclosure verification of debt

Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.

Can't repay my loan

My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.

Incorrect information on credit report

I have contacted XXXX and they said they do not have any record of this discrepancy on my account.

False statements or representation

There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report

Improper use of your report

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.

Dealing with your lender or servicer

The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!

Improper use of your report

Equifax had been hacked and I, being a customer who was trying to avoid my identity from being stolen, had my information stolen.

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

The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

Attempts to collect debt not owed

Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.

Fraud or scam

Last week i was surpose to get my money in my rushcard account but my money was not in it. I called some many times. I would look on my account. To see if it posted and it is not. Now it the last week of XXXX and i still did not received my last week pay. What is going on. I need my money now. I know i have my money in the account but with the glitch and cant access my account i have no money now.

Dealing with your lender or servicer

When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.

Dealing with my lender or servicer

I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!

Incorrect information on your report

My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/> There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Disclosure verification of debt

This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.

Cont'd attempts collect debt not owed

I do n't know which XXXX XXXX XXXX is this account reported to you

Late fee

I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.

Loan servicing, payments, escrow account

Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. Now Iam facing foreclosure.

Incorrect information on your report

In XXXX a tax lien was filed against me in XXXX County Superior Court. This tax lien was released in XXXX and should have been removed from my file 7 years from the date of filing ( which would have been XXXX XXXX , XXXX ). Both XXXX and XXXX are refusing to remove this from my credit report.

Dealing with your lender or servicer

American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.

Loan servicing, payments, escrow account

Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.

Loan modification,collection,foreclosure

Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX

Written notification about debt

ON XXXX XXXX , 2017 I pulle d my CR from all XXXX major bureaus ( XXXX , XXXX , XXXX ) and noticed that a ERC ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and that it was established in XXXX 2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.

False statements or representation

This account has inaccurate information date opened XXXX2013 with a balance XXXX $

Cont'd attempts collect debt not owed

I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.

Incorrect information on credit report

A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.

Advertising, marketing or disclosures

they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.

Unable to get credit report/credit score

i was looking up all my credit reports and i got all of the except eqifax it said it was under maintance it did that last time to me to

Using a debit or ATM card

The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!

Improper use of your report

I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

Improper use of your report

My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.

Deposits and withdrawals

On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?

Communication tactics

WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND

Dealing with my lender or servicer

Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.

Improper use of your report

Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX

Communication tactics

XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.

Incorrect information on your report

I filed a chapter XXXX bankruptcy that was discharged inXX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.

Incorrect information on your report

I have contacted the credit reporting agency, they have not responded in a timely manner