determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Problem with a credit reporting company's investigation into an existing problem	There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately
Incorrect information on credit report	I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.
Incorrect information on credit report	The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.
Cont'd attempts collect debt not owed	Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Loan servicing, payments, escrow account	Realtime Solutions is reporting the following late payments on my credit report. 120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.
Problems caused by my funds being low	Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.
Incorrect information on credit report	The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! Thank you, XXXX XXXX
Incorrect information on your report	Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Account opening, closing, or management	Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.
Problem with a credit reporting company's investigation into an existing problem	On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX or Trans Union. They were supposed to respond within 30 days.
Disclosure verification of debt	I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.
Incorrect information on your report	I am submitting this complaint about XXXX credit reporting agency and transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off my credit report.
Managing the loan or lease	Nissan Motor Finance contacts a number I have asked them not to contact multiple times.
Problems when you are unable to pay	lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?
Other service issues	I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.
Managing the loan or lease	I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.
Problem with a credit reporting company's investigation into an existing problem	On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Settlement process and costs	I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!
Cont'd attempts collect debt not owed	I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.
Attempts to collect debt not owed	I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.
Application, originator, mortgage broker	NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
Communication tactics	They cal upwards of 15 times a day.
Incorrect information on your report	cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names
Problem with a credit reporting company's investigation into an existing problem	Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
Cont'd attempts collect debt not owed	These people keep calling me, even though they have the wrong number.
Identity theft / Fraud / Embezzlement	PNC was never mine and should be removed as it was opened in identity theft.
Other features, terms, or problems	PLEASE CALL ME WITH A RESOLUTION ON CASE # XXXX.
Closing an account	Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX has closed my account down to due to Bank of America mistake. I need my name cleared.
Credit reporting company's investigation	This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.
Incorrect information on credit report	I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.
Problem with a credit reporting company's investigation into an existing problem	I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. Remove : XXXX/XXXX XXXX/XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX XXXX/XXXX
Unable to get credit report/credit score	I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.
Trouble during payment process	Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.
Problem with a credit reporting company's investigation into an existing problem	I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Cont'd attempts collect debt not owed	daily calls
Problem with a credit reporting company's investigation into an existing problem	88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.
Improper use of your report	XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries
Improper use of your report	I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.
Unsolicited issuance of credit card	Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.
Problem with a credit reporting company's investigation into an existing problem	This is a rebuttal to a previous complaint. i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!
Communication tactics	i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!
Incorrect information on credit report	I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed.
Improper contact or sharing of info	Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.
Problem with a credit reporting company's investigation into an existing problem	XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.
Incorrect information on credit report	Experian was erroneous information on my credit report and will not remove it.
Incorrect information on your report	On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me
Managing an account	Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. Please have BMO deposit the {$200.00} offer.
Incorrect information on credit report	I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Taking/threatening an illegal action	I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.
Incorrect information on credit report	Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Cont'd attempts collect debt not owed	I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.
Taking/threatening an illegal action	These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.
Loan servicing, payments, escrow account	For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.
Improper use of your report	tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...
Improper use of your report	My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.
Fees or interest	XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ XXXX
Cont'd attempts collect debt not owed	This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.
Attempts to collect debt not owed	I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
Communication tactics	Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.
Attempts to collect debt not owed	I just found in my credit report a collections for {$300.00} from Midwest Recovery System. I do not owe that money if should be a mistaken identity.
Billing disputes	In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.
Credit reporting company's investigation	I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.
Opening an account	I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.
Deposits and withdrawals	A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.
Incorrect information on credit report	I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.
Improper use of your report	I have credit inquiries on my credit report from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Attempts to collect debt not owed	I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.
Dealing with your lender or servicer	The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.
Other	Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.
Incorrect information on your report	XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
Attempts to collect debt not owed	I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.
Loan servicing, payments, escrow account	This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.
Improper use of your report	Tried deleting inquiries on XXXX over the phone. They denied my request.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.
Cont'd attempts collect debt not owed	I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.
Incorrect information on your report	Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle
Improper use of your report	Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
Problem with a credit reporting company's investigation into an existing problem	Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.
Incorrect information on your report	In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Account opening, closing, or management	My paypal account was closed and I am still waiting to receive my funds back.
Charged fees or interest I didn't expect	I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.
Customer service / Customer relations	I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.
Disclosure verification of debt	AFNI put a XXXX collection on my credit report. I did not receive notice from this company.
Cont'd attempts collect debt not owed	XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for
Communication tactics	I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.
Cont'd attempts collect debt not owed	Please see attached letter to the " Bureau of Medical Economics '' in XXXX, AZ.
Arbitration	I over paid my wells fargo at XXXX XXXX XXXX XXXX XXXX CA XXXX credit card by {$60.00} dollars 5 months ago I 've called wells Fargo at least 10 times they said they need to send a paper for us to sign to be able to receive my money back every time I called they tell me to wait for 15 days nothing comes on the mail .I have asked for my money to be deposited into my account but wells Fargo said theres no way it can be deposited into my account
Threatened to contact someone or share information improperly	XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX
Written notification about debt	on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.
Incorrect information on credit report	My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.
False statements or representation	XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION
Cont'd attempts collect debt not owed	IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. This is illegal.
Disclosure verification of debt	I have never had any contact with this company in my life and I now just found out that they had put negative information on my credit report. Please help
Improper contact or sharing of info	Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.
Problems when you are unable to pay	XXXX from Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.
Shopping for a loan or lease	Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.
Incorrect information on credit report	There is an address in which I have never lived at. The address is XXXX XXXX XXXX XXXX CA XXXX . I do n't know who listed that address in my credit report.
Unable to get credit report/credit score	Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT
Cont'd attempts collect debt not owed	I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything

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

There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately

Incorrect information on credit report

I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.

Incorrect information on credit report

The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.

Cont'd attempts collect debt not owed

Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Loan servicing, payments, escrow account

Realtime Solutions is reporting the following late payments on my credit report. 120 days past due as of XXXX XXXX until XXXX XXXX and 180 days past due as of XXXX XXXX until XXXX XXXX. This is not accurate and is damaging my credit. I have disputed this before but my disputes were ignored.

Problems caused by my funds being low

Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.

Incorrect information on credit report

The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! Thank you, XXXX XXXX

Incorrect information on your report

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.

Account opening, closing, or management

Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.

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

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX or Trans Union. They were supposed to respond within 30 days.

Disclosure verification of debt

I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.

Incorrect information on your report

I am submitting this complaint about XXXX credit reporting agency and transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off my credit report.

Managing the loan or lease

Nissan Motor Finance contacts a number I have asked them not to contact multiple times.

Problems when you are unable to pay

lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?

Other service issues

I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.

Managing the loan or lease

I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.

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

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

Settlement process and costs

I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!

Cont'd attempts collect debt not owed

I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.

Attempts to collect debt not owed

I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.

Application, originator, mortgage broker

NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX

Communication tactics

They cal upwards of 15 times a day.

Incorrect information on your report

cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names

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

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...

Cont'd attempts collect debt not owed

These people keep calling me, even though they have the wrong number.

Identity theft / Fraud / Embezzlement

PNC was never mine and should be removed as it was opened in identity theft.

Other features, terms, or problems

PLEASE CALL ME WITH A RESOLUTION ON CASE # XXXX.

Closing an account

Bank of America said I have unpaid and suspected fraud activity on my account and was closed. The amount was paid and they send me a check back, so now XXXX XXXX has closed my account down to due to Bank of America mistake. I need my name cleared.

Credit reporting company's investigation

This debt is from services at XXXX Hospital XXXX XXXX, I never received the bill but did received all other bills. My credit is perfect and I would not let my credit get ruined for XXXX . I never received such bill nor tried calling me since my number is at the Hospital records and has not changed for the last 10 years.

Incorrect information on credit report

I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.

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

I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. Remove : XXXX/XXXX XXXX/XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX XXXX/XXXX

Unable to get credit report/credit score

I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.

Trouble during payment process

Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.

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

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Cont'd attempts collect debt not owed

daily calls

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

88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.

Improper use of your report

XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries

Improper use of your report

I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.

Unsolicited issuance of credit card

Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.

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

This is a rebuttal to a previous complaint. i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!

Communication tactics

i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!

Incorrect information on credit report

I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed.

Improper contact or sharing of info

Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.

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

XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.

Incorrect information on credit report

Experian was erroneous information on my credit report and will not remove it.

Incorrect information on your report

On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me

Managing an account

Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. Please have BMO deposit the {$200.00} offer.

Incorrect information on credit report

I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Taking/threatening an illegal action

I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.

Incorrect information on credit report

Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.

Improper use of your report

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

Cont'd attempts collect debt not owed

I had a medical bill debt of {$28.00} that I did not know about for years after the incident. I never received collection calls so it just sat there. I checked my credit back in XXXX and saw it, so I paid it off. I saw it was still showing up in XXXX so I called the company and asked that it be reported. It is now almost XXXX and it is still showing up on my credit report as in collections.

Taking/threatening an illegal action

These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.

Loan servicing, payments, escrow account

For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.

Improper use of your report

tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...

Improper use of your report

My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.

Fees or interest

XX/XX/2018 I got an unexpected Membership fee of {$95.00}. If I did not look at my account regularly, I would not have noticed this other change. I tried to resolved with Citibank and could not. I am trying to close the account and might have to still pay the $ XXXX

Cont'd attempts collect debt not owed

This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.

Attempts to collect debt not owed

I continue to receive calls from a company identifying themselves as SRG. They have advised me it is for a debit for credit card to XXXX XXXX. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.

Communication tactics

Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.

Attempts to collect debt not owed

I just found in my credit report a collections for {$300.00} from Midwest Recovery System. I do not owe that money if should be a mistaken identity.

Billing disputes

In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.

Credit reporting company's investigation

I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.

Opening an account

I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.

Deposits and withdrawals

A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.

Incorrect information on credit report

I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.

Improper use of your report

I have credit inquiries on my credit report from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

Attempts to collect debt not owed

I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.

Dealing with your lender or servicer

The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.

Other

Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.

Incorrect information on your report

XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

Attempts to collect debt not owed

I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.

Loan servicing, payments, escrow account

This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.

Improper use of your report

Tried deleting inquiries on XXXX over the phone. They denied my request.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.

Cont'd attempts collect debt not owed

I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.

Incorrect information on your report

Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle

Improper use of your report

Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

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

Experian is reporting late payments on my credit report on 10 different DEPT of ED Student Loans. Experian is reporting 90 days late XXXX and XXXX and reporting 120 days late XXXX, XXXX, XXXX, XXXX, XXXX. The loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. I have attached NSLDS showing that the loans were in FORBEARANCE.

Incorrect information on your report

In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Account opening, closing, or management

My paypal account was closed and I am still waiting to receive my funds back.

Charged fees or interest I didn't expect

I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.

Customer service / Customer relations

I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.

Disclosure verification of debt

AFNI put a XXXX collection on my credit report. I did not receive notice from this company.

Cont'd attempts collect debt not owed

XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for

Communication tactics

I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.

Cont'd attempts collect debt not owed

Please see attached letter to the " Bureau of Medical Economics '' in XXXX, AZ.

Arbitration

I over paid my wells fargo at XXXX XXXX XXXX XXXX XXXX CA XXXX credit card by {$60.00} dollars 5 months ago I 've called wells Fargo at least 10 times they said they need to send a paper for us to sign to be able to receive my money back every time I called they tell me to wait for 15 days nothing comes on the mail .I have asked for my money to be deposited into my account but wells Fargo said theres no way it can be deposited into my account

Threatened to contact someone or share information improperly

XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX

Written notification about debt

on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.

Incorrect information on credit report

My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.

False statements or representation

XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION

Cont'd attempts collect debt not owed

IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. This is illegal.

Disclosure verification of debt

I have never had any contact with this company in my life and I now just found out that they had put negative information on my credit report. Please help

Improper contact or sharing of info

Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.

Problems when you are unable to pay

XXXX from Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.

Shopping for a loan or lease

Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.

Incorrect information on credit report

There is an address in which I have never lived at. The address is XXXX XXXX XXXX XXXX CA XXXX . I do n't know who listed that address in my credit report.

Unable to get credit report/credit score

Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT

Cont'd attempts collect debt not owed

I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything