determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Written notification about debt	I 've requested debt validation and the company has failed to provide any proof that I owe anything.
Incorrect information on your report	I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.
Taking/threatening an illegal action	back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help
Closing your account	I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.
Cont'd attempts collect debt not owed	I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.
Problem with a credit reporting company's investigation into an existing problem	All but XXXX
Problems caused by my funds being low	BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.
Struggling to pay mortgage	Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.
Delinquent account	I have received calls from the same credit card company upwards of four times PER DAY.
Improper use of my credit report	In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.
Trouble during payment process	My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to purchase a new property.
Incorrect information on credit report	Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.
Incorrect information on your report	Inquiries on my transunion credit report came off earlier this year and were put back on
Problem adding money	Coinbase wont let me remove my money from my usd wallet
Communication tactics	Repeat calls and voice mail everyday. In the morning and after XXXX.
Incorrect information on credit report	Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. XXXX XXXX XXXX
Struggling to pay mortgage	My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.
Problem with a credit reporting company's investigation into an existing problem	Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX. This is the correspondence that shows no change to the inaccuracies that were pointed out.
Shopping for a loan or lease	I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Problem with a credit reporting company's investigation into an existing problem	I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Written notification about debt	I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Can't repay my loan	Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.
Incorrect information on your report	XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!
Loan modification,collection,foreclosure	I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.
Attempts to collect debt not owed	Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager
Problem with a credit reporting company's investigation into an existing problem	I've trying to contact all three credit agency for the past year, and No response has been provided. According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. Please help on this matter.
Closing your account	I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.
Cont'd attempts collect debt not owed	Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.
Managing the loan or lease	According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings
Cont'd attempts collect debt not owed	NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.
Communication tactics	Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week
Settlement process and costs	Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.
Incorrect information on your report	Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.
Incorrect information on your report	Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Incorrect information on credit report	Payment was received by company in a form of cashier check and they lost the payment. They requested me to send additional payment even after checks were cashed. i provided proof to them and they still did not take payment off my balance. I ended up having to double pay and then payments later they credited my account. I need them to remove my late payments
Incorrect information on your report	I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
Incorrect information on credit report	XXXX sent a removal letter/code to XXXX and Experian on XXXX XXXX, 2016. Experian has not deleted this account from my report.
Incorrect information on credit report	I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.
Problem with a credit reporting company's investigation into an existing problem	I started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
Incorrect information on your report	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX this do not belong to me and there no contract or my signature.
Problem with a purchase shown on your statement	I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.
Communication tactics	Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...
Incorrect information on credit report	I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.
Communication tactics	I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.
Cont'd attempts collect debt not owed	ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.XXXX
Dealing with my lender or servicer	Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Communication tactics	They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.
Incorrect information on credit report	I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed from my credit report.
Problems when you are unable to pay	This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.
Problem when making payments	I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.
Closing your account	I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection
Improper use of your report	These inquires were unauthorized. -XXXX -XXXX XXXX -XXXX XXXX/XXXX IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX
Communication tactics	AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.
Improper use of your report	I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Cont'd attempts collect debt not owed	most of these debt are really outdated I would like to dispute
Attempts to collect debt not owed	told them I never lived at this address send them materials where I lived at the time and this must be identity theft
False statements or representation	MEDICAL DATA SY STEMS I XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX IN REGARDS TO ACCOUNT XXXX THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. MEDICAL DATA SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS. PLEASE REMOVE FROM ALL XXXX CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Cont'd attempts collect debt not owed	i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.
Improper use of your report	Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.
Cont'd attempts collect debt not owed	I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.
Improper use of your report	XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.
Problems when you are unable to pay	Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.
APR or interest rate	I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.
Loan servicing, payments, escrow account	I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.
Communication tactics	I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.
Loan servicing, payments, escrow account	I have a Veteran Loan backing with PennyMac Loan Services , LLC. PennyMac has in escrow my money to pay my property insurance. PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.
Loan modification,collection,foreclosure	MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX
Incorrect information on credit report	Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.
Loan servicing, payments, escrow account	For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.
Improper use of your report	Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.
Communication tactics	Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.
Unable to get credit report/credit score	Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.
Deposits and withdrawals	Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money
Disclosure verification of debt	I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.
Cont'd attempts collect debt not owed	An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.
Threatened to contact someone or share information improperly	I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.
Unable to get credit report/credit score	follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving
False statements or representation	We received a XXXX XXXX from Ditech Financial LLC. for an account that was " settled in full in XXXX '' for an old account. Ditech has stated they sent this form into the IRS and we will need to claim it as income for XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with Ditech
Incorrect information on your report	My Chase account was never closed as a cancellation of debt according to a received XXXX from them. IRS added this amount to my XXXX income tax and I was obligated to pay additional taxes.
Loan servicing, payments, escrow account	XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,
Shopping for a loan or lease	I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.
Can't repay my loan	I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.
Closing an account	Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.
Incorrect information on credit report	Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.
Trouble during payment process	I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information
Can't repay my loan	My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.
Cont'd attempts collect debt not owed	I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.
Communication tactics	They would call three times a day for a month after I submitted {$100.00} towards the account. XXXX XXXX XXXX XXXX XXXX XXXX.
Cont'd attempts collect debt not owed	I have no idea of the collection accounts
Cont'd attempts collect debt not owed	I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.
Took or threatened to take negative or legal action	XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.
Cont'd attempts collect debt not owed	This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid
Cont'd attempts collect debt not owed	In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
Application, originator, mortgage broker	I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.
Improper use of your report	Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.
False statements or representation	Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Disclosure verification of debt	Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.
Incorrect information on your report	I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.

Written notification about debt

I 've requested debt validation and the company has failed to provide any proof that I owe anything.

Incorrect information on your report

I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.

Taking/threatening an illegal action

back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help

Closing your account

I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.

Cont'd attempts collect debt not owed

I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.

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

All but XXXX

Problems caused by my funds being low

BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.

Struggling to pay mortgage

Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.

Delinquent account

I have received calls from the same credit card company upwards of four times PER DAY.

Improper use of my credit report

In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.

Trouble during payment process

My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to purchase a new property.

Incorrect information on credit report

Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.

Incorrect information on your report

Inquiries on my transunion credit report came off earlier this year and were put back on

Problem adding money

Coinbase wont let me remove my money from my usd wallet

Communication tactics

Repeat calls and voice mail everyday. In the morning and after XXXX.

Incorrect information on credit report

Equifax refuses to show correct balance for XXXX For XXXX and XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX not showing the XXXX payment I made to them. I received XXXX credit from XXXX XXXX XXXX not showing in the correct balance owed. I want an investigation as to why Equifax not showing correct balance Owed for these XXXX creditors. XXXX XXXX XXXX

Struggling to pay mortgage

My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.

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

Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX. This is the correspondence that shows no change to the inaccuracies that were pointed out.

Shopping for a loan or lease

I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.

Problem when making payments

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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

I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

Written notification about debt

I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Can't repay my loan

Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.

Incorrect information on your report

XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!

Loan modification,collection,foreclosure

I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.

Attempts to collect debt not owed

Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager

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

I've trying to contact all three credit agency for the past year, and No response has been provided. According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. Please help on this matter.

Closing your account

I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.

Cont'd attempts collect debt not owed

Never received bills from this company was just placed on my credit report. tried to depute with credit reporting company online. still not removed. i do n't own them.

Managing the loan or lease

According to our credit bureau report the loan with SST is showng as default and collections. This account has never been late and when I spoke with SST they stated that was incorrect and that they would correct with the bureau. This account is in excellent standings

Cont'd attempts collect debt not owed

NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.

Communication tactics

Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week

Settlement process and costs

Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.

Incorrect information on your report

Inaccurate Information being reported on my credit file ... .incorrectly and was told in written letter by the company that they would have deleted and yet it has yet to be deleted.

Incorrect information on your report

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Incorrect information on credit report

Payment was received by company in a form of cashier check and they lost the payment. They requested me to send additional payment even after checks were cashed. i provided proof to them and they still did not take payment off my balance. I ended up having to double pay and then payments later they credited my account. I need them to remove my late payments

Incorrect information on your report

I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.

Incorrect information on credit report

XXXX sent a removal letter/code to XXXX and Experian on XXXX XXXX, 2016. Experian has not deleted this account from my report.

Incorrect information on credit report

I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.

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

I started a dispute with Experian stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.

Incorrect information on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX this do not belong to me and there no contract or my signature.

Problem with a purchase shown on your statement

I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.

Communication tactics

Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...

Incorrect information on credit report

I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.

Communication tactics

I get calls basically everyday from Comenity bank trying to collect a debt. Sometimes I get up to 6 calls a day. I block the numbers they call from, but they keep switching up the phone numbers they call from. Also, I have kept record of these calls on my phone log. Also, I have more screenshots that I can provide.

Cont'd attempts collect debt not owed

ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.XXXX

Dealing with my lender or servicer

Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.

Incorrect information on your report

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

Communication tactics

They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.

Incorrect information on credit report

I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed from my credit report.

Problems when you are unable to pay

This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.

Problem when making payments

I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.

Closing your account

I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection

Improper use of your report

These inquires were unauthorized. -XXXX -XXXX XXXX -XXXX XXXX/XXXX IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX

Communication tactics

AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.

Improper use of your report

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Cont'd attempts collect debt not owed

most of these debt are really outdated I would like to dispute

Attempts to collect debt not owed

told them I never lived at this address send them materials where I lived at the time and this must be identity theft

False statements or representation

MEDICAL DATA SY STEMS I XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX IN REGARDS TO ACCOUNT XXXX THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT. MEDICAL DATA SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS. PLEASE REMOVE FROM ALL XXXX CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.

Cont'd attempts collect debt not owed

i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.

Improper use of your report

Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.

Cont'd attempts collect debt not owed

I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.

Improper use of your report

XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.

Problems when you are unable to pay

Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.

APR or interest rate

I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.

Loan servicing, payments, escrow account

I requested XXXX XXXX via XXXX that PMI be cancelled on my loan on XXXX XXXX, 2015, by letter, and again on XXXX XXXX, 2015, via website. The reply implied that in 10 business days, there would be a response. On XXXX XXXX, I again contacted the lender through its website stating that I had not had a response at all. I still have not had a response.

Communication tactics

I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.

Loan servicing, payments, escrow account

I have a Veteran Loan backing with PennyMac Loan Services , LLC. PennyMac has in escrow my money to pay my property insurance. PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.

Loan modification,collection,foreclosure

MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX

Incorrect information on credit report

Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.

Loan servicing, payments, escrow account

For the second year in a row, I am expected a $ XXXX escrow refund from Quicken Loans. Essentially, I am giving Quicken Loans an interest free loan. They do not pay interest on this money back to me. It is absurd that they do not adjust my escrow and instead keep what amounts to an extra mortgage payment for one year before providing me a refund.

Improper use of your report

Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.

Communication tactics

Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.

Unable to get credit report/credit score

Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.

Deposits and withdrawals

Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money

Disclosure verification of debt

I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Cont'd attempts collect debt not owed

An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.

Threatened to contact someone or share information improperly

I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.

Unable to get credit report/credit score

follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving

False statements or representation

We received a XXXX XXXX from Ditech Financial LLC. for an account that was " settled in full in XXXX '' for an old account. Ditech has stated they sent this form into the IRS and we will need to claim it as income for XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with Ditech

Incorrect information on your report

My Chase account was never closed as a cancellation of debt according to a received XXXX from them. IRS added this amount to my XXXX income tax and I was obligated to pay additional taxes.

Loan servicing, payments, escrow account

XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. Thank you,

Shopping for a loan or lease

I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.

Can't repay my loan

I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.

Closing an account

Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.

Incorrect information on credit report

Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.

Trouble during payment process

I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information

Can't repay my loan

My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.

Cont'd attempts collect debt not owed

I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.

Communication tactics

They would call three times a day for a month after I submitted {$100.00} towards the account. XXXX XXXX XXXX XXXX XXXX XXXX.

Cont'd attempts collect debt not owed

I have no idea of the collection accounts

Cont'd attempts collect debt not owed

I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.

Took or threatened to take negative or legal action

XXXX-XXXX-2017 called looking for XXXX XXXX. has not lived here for 25 years. said they will sue if they do not reach him.

Cont'd attempts collect debt not owed

This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid

Cont'd attempts collect debt not owed

In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Application, originator, mortgage broker

I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.

Improper use of your report

Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.

False statements or representation

Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

Disclosure verification of debt

Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.

Incorrect information on your report

I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.