determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. Please see attachment.
Incorrect information on your report	I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.
Cont'd attempts collect debt not owed	There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment
Application, originator, mortgage broker	XXXX XXXX ( XXXX ID XXXX ), called me with detailed information he somehow got from a credit check I had done in early XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.
Problem adding money	I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.
Attempts to collect debt not owed	I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.
Credit reporting company's investigation	Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.
Improper use of your report	There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Incorrect information on your report	My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence
Taking/threatening an illegal action	repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.
Cont'd attempts collect debt not owed	This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement
Written notification about debt	sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}
Communication tactics	Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
Incorrect information on your report	I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.
Dealing with your lender or servicer	I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.
Cont'd attempts collect debt not owed	HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.
Billing disputes	The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.
Account opening, closing, or management	This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.
Cont'd attempts collect debt not owed	This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
Communication tactics	Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.
Cont'd attempts collect debt not owed	I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.
Disclosure verification of debt	I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?
Loan servicing, payments, escrow account	I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier
Incorrect information on credit report	hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much
Charged fees or interest you didn't expect	I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy
Incorrect information on your report	I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.
Incorrect information on your report	XXXX XXXX Florida on XXXX XXXX, 2016 National Credit Cards/Airlines. Phone number XXXX i never applied for this.
Loan modification,collection,foreclosure	Ocwen loan servicing has garnished my wages illegally. I foreclosed on a home in 2011, in California. I attempted to contact them every Monday for over a year to perform a deed-in-lieu or anything to make my situation better. I NEVER received a call back from my " case manager. '' I have not been sued by them for the foreclosure, but they have illegally garnished my wages.
Improper use of your report	I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
Managing the loan or lease	System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.
Incorrect information on your report	Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.
Making/receiving payments, sending money	fradulent
Charged fees or interest I didn't expect	Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling
Incorrect information on credit report	this account has been removed from the other XXXX bureaus and reporting negatively please remove as it 's blocking me from receiving further credit
Credit reporting company's investigation	They have n't validated my dipute, they keep saying verified
Cont'd attempts collect debt not owed	I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
Loan servicing, payments, escrow account	My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. It is impossible to speak to a person ... I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. Not happy .... thank you, XXXX
Problem with a credit reporting company's investigation into an existing problem	Disputed fraudulent accounts with Equifax on X/X/17 and did not get results back until X/X/17
Incorrect information on credit report	I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.
Improper use of your report	This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Dealing with your lender or servicer	My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.
Cont'd attempts collect debt not owed	I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
Incorrect information on your report	on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
Problems caused by my funds being low	XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam
Attempts to collect debt not owed	AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
Incorrect information on your report	Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.
Disclosure verification of debt	Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.
Incorrect information on your report	This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.
Attempts to collect debt not owed	This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..
Cont'd attempts collect debt not owed	this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.
Credit monitoring or identity theft protection services	Equifax were hacked and lost all my information and the information of hundreds of millions of other Americans and this is absolutely unacceptable.
Disclosure verification of debt	Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.
Taking out the loan or lease	My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report
Managing an account	Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/XX/XXXX.
Incorrect information on credit report	Wrong address info on reports
Incorrect information on your report	I hired XXXX XXXX to dispute fraudulent account but the company has not investigated or removed the trade line from my credit report. They can not validate or verify the debt. I also did research and the company doesnt have a license to collect in the state of south carolina.
Communication tactics	Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.
Incorrect information on your report	I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Improper contact or sharing of info	I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Late fee	Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.
False statements or representation	This is a debt that is at least 7 or more years old and which is attached by the State of Maryland for services of which are free and no one told me that I would have to pay a debt for being on probation. This is a serious attempt to ruin my credit rating and thus cause me problems later. I never signed any paperwork through the state or was told that I would owe monies at anytime.
Cont'd attempts collect debt not owed	My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.
Loan modification,collection,foreclosure	My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.
Credit monitoring or identity theft protection services	Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.
Cont'd attempts collect debt not owed	We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts.
Fees or interest	I ordered a pair of jeans from XXXX and returned them. The company refunded the amount of the jeans but continued to charge a monthly fee. I sent an e-mail requesting this account to be closed 3 months ago. The company continues to charge fees and reported to the credit bureau that I was 90 days delinquent. I have written a complaint to the company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX. This account is still open and reporting a delinquency to the credit bureaus.
Credit monitoring or identity protection	Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.
Cont'd attempts collect debt not owed	I previously sent a dispute for this company to provide me with documentation showing how I owed this debt and they only updated the XXXX credit bureaus with a statement that it is validated. I would like to know how this company verified the debt as being mine and what methods were use to verify the debt is mine. If they can not provide me with this information in a timely manner, this debt must be removed and updated with all XXXX credit bureaus
Taking/threatening an illegal action	A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.
Incorrect information on credit report	I filled BK in 2012 so everything was discharged including all tax liens. In all XXXX credit bureaus still shows that i owe tax liens and property lien. I have proves from the court, BK discharge certificate. Please assist. XXXX XXXX XXXX XXXXXXXXXXXX
Cont'd attempts collect debt not owed	This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.
Disclosure verification of debt	I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.
Disclosure verification of debt	This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly
Incorrect information on credit report	I have informed XXXX about fraud and identity theft on my account on XX/XX/2015.I send many letter to XXXX and credit bureaus to inquire incorrect items.Its still showing negative item and my job was declined.
Problems when you are unable to pay	A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.
False statements or representation	Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.
Cont'd attempts collect debt not owed	My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.
Loan servicing, payments, escrow account	I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.
Can't repay my loan	My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?
Attempts to collect debt not owed	Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.
Improper use of your report	These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score
Disclosure verification of debt	a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
Incorrect information on your report	I obtained my credit report and discovered multiple errors with accounts from XXXX XXXX XXXX XXXX stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did XXXX , Equifax, and XXXX disputed these bogus accounts. There is no account numbers associated with these accounts.
Incorrect information on credit report	Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.
Loan modification,collection,foreclosure	My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.
Loan servicing, payments, escrow account	US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.
Written notification about debt	I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.
Cont'd attempts collect debt not owed	Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Closing your account	The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.
Late fee	Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.
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 as SSN or DOB 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	was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.
Account opening, closing, or management	XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.
Can't repay my loan	Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.
Improper use of your report	- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by
Incorrect information on credit report	lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore
Incorrect information on credit report	My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o
Managing the loan or lease	I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On Me.

Incorrect information on your report

I have requested multiple times that Experian remove all of the information that I have circled on the attached credit report. They refuse to do so. They keep sending me an updated credit report saying that the information is not there and pretending to not know what information that I am referring to. Please see attachment.

Incorrect information on your report

I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.

Cont'd attempts collect debt not owed

There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment

Application, originator, mortgage broker

XXXX XXXX ( XXXX ID XXXX ), called me with detailed information he somehow got from a credit check I had done in early XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.

Problem adding money

I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.

Attempts to collect debt not owed

I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.

Credit reporting company's investigation

Equifax did not properly " reinvestigate '' the false item on my credit report that does not belong to me. It did n't not tell the method it used and did not provide me with copies of her supprporting documents to support its conclusion. And, most importantly, it did not remove the erroneous item.

Improper use of your report

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Incorrect information on your report

My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence

Taking/threatening an illegal action

repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.

Cont'd attempts collect debt not owed

This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement

Written notification about debt

sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}

Communication tactics

Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..

Incorrect information on your report

I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.

Dealing with your lender or servicer

I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.

Cont'd attempts collect debt not owed

HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.

Billing disputes

The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.

Account opening, closing, or management

This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.

Cont'd attempts collect debt not owed

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

Communication tactics

Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.

Cont'd attempts collect debt not owed

I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.

Disclosure verification of debt

I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?

Loan servicing, payments, escrow account

I was trying to pay XXXX XX/XX/XXXX to get caught up but was not allowed and since I had to post date my payment I will be charged late fees on funds I was willing to pay earlier

Incorrect information on credit report

hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much

Charged fees or interest you didn't expect

I borrowed {$400.00} and they want want me to pay back like {$2700.00} that's crazy

Incorrect information on your report

I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

Incorrect information on your report

XXXX XXXX Florida on XXXX XXXX, 2016 National Credit Cards/Airlines. Phone number XXXX i never applied for this.

Loan modification,collection,foreclosure

Ocwen loan servicing has garnished my wages illegally. I foreclosed on a home in 2011, in California. I attempted to contact them every Monday for over a year to perform a deed-in-lieu or anything to make my situation better. I NEVER received a call back from my " case manager. '' I have not been sued by them for the foreclosure, but they have illegally garnished my wages.

Improper use of your report

I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Managing the loan or lease

System and Services Technologies ( SST ) a company of NCO has violated again Fair Collection Practices Act and refuses to provide me with the information I have been requesting from them and acknowledging my dispute of charges. They have already been fined by the FTC and states for such practices.

Incorrect information on your report

Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.

Making/receiving payments, sending money

fradulent

Charged fees or interest I didn't expect

Excessive over 700 % I keep getting calls from live person or robocalls saying I owe money # XXXX I received over 30 call from two mos ago I told them to stop but still calling

Incorrect information on credit report

this account has been removed from the other XXXX bureaus and reporting negatively please remove as it 's blocking me from receiving further credit

Credit reporting company's investigation

They have n't validated my dipute, they keep saying verified

Cont'd attempts collect debt not owed

I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-

Loan servicing, payments, escrow account

My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. It is impossible to speak to a person ... I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. Not happy .... thank you, XXXX

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

Disputed fraudulent accounts with Equifax on X/X/17 and did not get results back until X/X/17

Incorrect information on credit report

I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

Improper use of your report

This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Dealing with your lender or servicer

My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.

Cont'd attempts collect debt not owed

I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Incorrect information on your report

on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers

Problems caused by my funds being low

XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam

Attempts to collect debt not owed

AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.

Incorrect information on your report

Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.

Disclosure verification of debt

Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.

Incorrect information on your report

This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.

Attempts to collect debt not owed

This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..

Cont'd attempts collect debt not owed

this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.

Credit monitoring or identity theft protection services

Equifax were hacked and lost all my information and the information of hundreds of millions of other Americans and this is absolutely unacceptable.

Disclosure verification of debt

Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.

Taking out the loan or lease

My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report

Managing an account

Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/XX/XXXX.

Incorrect information on credit report

Wrong address info on reports

Incorrect information on your report

I hired XXXX XXXX to dispute fraudulent account but the company has not investigated or removed the trade line from my credit report. They can not validate or verify the debt. I also did research and the company doesnt have a license to collect in the state of south carolina.

Communication tactics

Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.

Incorrect information on your report

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

Improper contact or sharing of info

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

Incorrect information on your report

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

Late fee

Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.

False statements or representation

This is a debt that is at least 7 or more years old and which is attached by the State of Maryland for services of which are free and no one told me that I would have to pay a debt for being on probation. This is a serious attempt to ruin my credit rating and thus cause me problems later. I never signed any paperwork through the state or was told that I would owe monies at anytime.

Cont'd attempts collect debt not owed

My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.

Loan modification,collection,foreclosure

My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.

Credit monitoring or identity theft protection services

Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.

Cont'd attempts collect debt not owed

We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts.

Fees or interest

I ordered a pair of jeans from XXXX and returned them. The company refunded the amount of the jeans but continued to charge a monthly fee. I sent an e-mail requesting this account to be closed 3 months ago. The company continues to charge fees and reported to the credit bureau that I was 90 days delinquent. I have written a complaint to the company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX. This account is still open and reporting a delinquency to the credit bureaus.

Credit monitoring or identity protection

Experian slammed me into a credit monitoring service when I requested a copy of my credit report. Their website is confusing and it was not clear that when I requested my credit report they automatically enrolled me into the Credit Monitoring Service for a charge of $ XXXX/month. This practice is deceptive and not very honest.

Cont'd attempts collect debt not owed

I previously sent a dispute for this company to provide me with documentation showing how I owed this debt and they only updated the XXXX credit bureaus with a statement that it is validated. I would like to know how this company verified the debt as being mine and what methods were use to verify the debt is mine. If they can not provide me with this information in a timely manner, this debt must be removed and updated with all XXXX credit bureaus

Taking/threatening an illegal action

A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.

Incorrect information on credit report

I filled BK in 2012 so everything was discharged including all tax liens. In all XXXX credit bureaus still shows that i owe tax liens and property lien. I have proves from the court, BK discharge certificate. Please assist. XXXX XXXX XXXX XXXXXXXXXXXX

Cont'd attempts collect debt not owed

This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.

Disclosure verification of debt

I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.

Disclosure verification of debt

This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly

Incorrect information on credit report

I have informed XXXX about fraud and identity theft on my account on XX/XX/2015.I send many letter to XXXX and credit bureaus to inquire incorrect items.Its still showing negative item and my job was declined.

Problems when you are unable to pay

A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.

False statements or representation

Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.

Cont'd attempts collect debt not owed

My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.

Loan servicing, payments, escrow account

I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.

Can't repay my loan

My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?

Attempts to collect debt not owed

Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.

Improper use of your report

These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score

Disclosure verification of debt

a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress

Incorrect information on your report

I obtained my credit report and discovered multiple errors with accounts from XXXX XXXX XXXX XXXX stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did XXXX , Equifax, and XXXX disputed these bogus accounts. There is no account numbers associated with these accounts.

Incorrect information on credit report

Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.

Loan modification,collection,foreclosure

My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.

Loan servicing, payments, escrow account

US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.

Written notification about debt

I have never received any written correspondence from Perfection Collection verifying the debt they say I owe. I am entitled to written verification of the debt, to include the original debtor, amount of the original debt and fees now assessed to date.

Cont'd attempts collect debt not owed

Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine.

Incorrect information on your report

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

Closing your account

The account XXXX credit card ) from Wells Fargo closed on XX/XX/XXXX2012. Although I was aware of it and paid the debt, somehow it was still on the credit report. The amount was {$2200.00}. With some help from my parents, I was able to pay the debt.

Late fee

Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.

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 as SSN or DOB 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

was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.

Account opening, closing, or management

XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.

Can't repay my loan

Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.

Improper use of your report

- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by

Incorrect information on credit report

lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore

Incorrect information on credit report

My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o

Managing the loan or lease

I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On Me.