determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Problem with a credit reporting company's investigation into an existing problem	There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal
Trouble during payment process	I closed my mortgage in XXXX 2017. Wells Fargo has not provided me any bill whatsoever and when I call there XXXX number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.
Improper use of my credit report	I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. Thank you.
Account opening, closing, or management	Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.
Incorrect information on your report	Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
False statements or representation	I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!
Settlement process and costs	Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.
Credit reporting company's investigation	Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money.
Rewards	XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.
Dealing with my lender or servicer	I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? Why
Charged fees or interest you didn't expect	On XX/XX/XXXX I applied for a {$800.00} loan. Later I discovered that my payments would be {$320.00} and end in XX/XX/XXXX totaling over {$3800.00}. The interest rate is ridiculously high. I have currently made two payments totaling about {$650.00}. Please help me if possible. There is no way that I can afford this loan.
Improper use of your report	Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice. Remove this off my report please. I have not applied for credit.
Taking/threatening an illegal action	J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.
Attempts to collect debt not owed	This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.
Written notification about debt	They have failed to give me a chance to dispute the debt nor have they provided validation of debt.
Incorrect information on your report	I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Taking/threatening an illegal action	The statute of limitations has expired on the debt.
Written notification about debt	XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX
Unable to get credit report/credit score	I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.
Loan servicing, payments, escrow account	We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.
Managing the loan or lease	Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.
Problem when making payments	I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX , XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX to XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Settlement process and costs	I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. Thank you, XXXX XXXX
Cont'd attempts collect debt not owed	they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money
Problem with a credit reporting company's investigation into an existing problem	I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
Payment to acct not credited	Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do
Incorrect information on credit report	I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.
Shopping for a loan or lease	THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO
Managing the loan or lease	requesting paperwork loan validation XX/XX/XXXX to XX/XX/XXXX ( total amount for XXXX ).
Loan servicing, payments, escrow account	I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.
Shopping for a line of credit	CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
Taking/threatening an illegal action	I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. The lawsuit was filed without my knowledge taking away my ability to respond to this complaint
Problems caused by my funds being low	I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.
Can't repay my loan	I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up
Disclosure verification of debt	I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!
Disclosure verification of debt	I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.
Billing disputes	Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?
Communication tactics	I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.
Incorrect information on your report	There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Incorrect information on your report	Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Fraud or scam	I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min
Improper use of your report	I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.
Written notification about debt	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Has placed a collection account on my XXXX report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done XXXX XXXX , 2017 .
Incorrect information on credit report	XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX
Disclosure verification of debt	was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.
Incorrect information on credit report	This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.
Improper contact or sharing of info	Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.
Problem with a purchase shown on your statement	I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.
Incorrect information on credit report	I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.
Incorrect information on credit report	Have a DR using my name also a address in XXXX. I do n't know anything about these???
Problem with a credit reporting company's investigation into an existing problem	Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.
Incorrect information on your report	My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help. <P/> Please help me
Disclosure verification of debt	I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Threatened to contact someone or share information improperly	XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.
Cont'd attempts collect debt not owed	I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.
Incorrect information on credit report	I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).
Improper use of my credit report	There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.
Trouble using your card	My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for them
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Communication tactics	XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.
Incorrect information on your report	XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
Taking out the loan or lease	SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY
Incorrect information on your report	Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections
Cont'd attempts collect debt not owed	I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace
Incorrect information on credit report	Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.
Incorrect information on your report	On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX
Loan modification,collection,foreclosure	I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.
Can't repay my loan	My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.
Incorrect information on credit report	An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.
Managing the loan or lease	Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.
False statements or representation	I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
Written notification about debt	I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods
Account opening, closing, or management	I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.
False statements or representation	They changed the amount that was owed after it went to auction.
Disclosure verification of debt	This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed.
Unable to get credit report/credit score	I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.
Problem caused by your funds being low	Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.
Incorrect information on credit report	Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.
Deposits and withdrawals	Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!
Credit monitoring or identity theft protection services	My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.
Problem when making payments	I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections
Problem with a credit reporting company's investigation into an existing problem	Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.
Disclosure verification of debt	I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit
Incorrect information on your report	Showing an account by the name of XXXX XXXX which has been settled and should Be removed
Incorrect information on credit report	The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!
Taking out the loan or lease	Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?
Billing disputes	Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )
Cont'd attempts collect debt not owed	they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file
Other fee	I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.
Attempts to collect debt not owed	this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX
Rewards	I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Credit reporting company's investigation	I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.
Taking/threatening an illegal action	Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.
Charged fees or interest I didn't expect	Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!
Attempts to collect debt not owed	I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.
Improper contact or sharing of info	XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.
Problem with a credit reporting company's investigation into an existing problem	To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!
False statements or representation	I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.

Incorrect information on your report

As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

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

There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

Trouble during payment process

I closed my mortgage in XXXX 2017. Wells Fargo has not provided me any bill whatsoever and when I call there XXXX number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.

Improper use of my credit report

I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. Thank you.

Account opening, closing, or management

Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.

Incorrect information on your report

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

False statements or representation

I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!

Settlement process and costs

Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.

Credit reporting company's investigation

Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money.

Rewards

XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.

Dealing with my lender or servicer

I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? Why

Charged fees or interest you didn't expect

On XX/XX/XXXX I applied for a {$800.00} loan. Later I discovered that my payments would be {$320.00} and end in XX/XX/XXXX totaling over {$3800.00}. The interest rate is ridiculously high. I have currently made two payments totaling about {$650.00}. Please help me if possible. There is no way that I can afford this loan.

Improper use of your report

Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice. Remove this off my report please. I have not applied for credit.

Taking/threatening an illegal action

J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.

Attempts to collect debt not owed

This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.

Written notification about debt

They have failed to give me a chance to dispute the debt nor have they provided validation of debt.

Incorrect information on your report

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

Taking/threatening an illegal action

The statute of limitations has expired on the debt.

Written notification about debt

XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX

Unable to get credit report/credit score

I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.

Loan servicing, payments, escrow account

We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.

Managing the loan or lease

Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.

Problem when making payments

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX , XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX to XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Settlement process and costs

I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. Thank you, XXXX XXXX

Cont'd attempts collect debt not owed

they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money

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

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

Payment to acct not credited

Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do

Incorrect information on credit report

I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.

Shopping for a loan or lease

THERE IS TWO HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND I HAVE ASKED FOR PROOF OF THE APPLACTION BUT ONE MAIN FINACIAL HAS FAILED TO DUE SO

Managing the loan or lease

requesting paperwork loan validation XX/XX/XXXX to XX/XX/XXXX ( total amount for XXXX ).

Loan servicing, payments, escrow account

I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.

Shopping for a line of credit

CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Taking/threatening an illegal action

I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. The lawsuit was filed without my knowledge taking away my ability to respond to this complaint

Problems caused by my funds being low

I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.

Can't repay my loan

I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up

Disclosure verification of debt

I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!

Disclosure verification of debt

I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.

Billing disputes

Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?

Communication tactics

I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.

Incorrect information on your report

There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

Incorrect information on your report

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.

Fraud or scam

I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min

Improper use of your report

I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.

Written notification about debt

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Has placed a collection account on my XXXX report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done XXXX XXXX , 2017 .

Incorrect information on credit report

XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Disclosure verification of debt

was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Incorrect information on credit report

This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.

Improper contact or sharing of info

Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.

Problem with a purchase shown on your statement

I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.

Incorrect information on credit report

I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.

Incorrect information on credit report

Have a DR using my name also a address in XXXX. I do n't know anything about these???

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

Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.

Incorrect information on your report

My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help. <P/> Please help me

Disclosure verification of debt

I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Threatened to contact someone or share information improperly

XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.

Cont'd attempts collect debt not owed

I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.

Incorrect information on credit report

I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).

Improper use of my credit report

There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.

Trouble using your card

My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for them

Incorrect information on your report

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

Communication tactics

XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.

Incorrect information on your report

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

Taking out the loan or lease

SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY

Incorrect information on your report

Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections

Cont'd attempts collect debt not owed

I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace

Incorrect information on credit report

Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.

Incorrect information on your report

On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX

Loan modification,collection,foreclosure

I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.

Can't repay my loan

My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.

Incorrect information on credit report

An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.

Managing the loan or lease

Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.

False statements or representation

I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit

Written notification about debt

I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods

Account opening, closing, or management

I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.

False statements or representation

They changed the amount that was owed after it went to auction.

Disclosure verification of debt

This collection has already been removed from my XXXX credit report and should have been removed from XXXX and XXXX as well. I am attaching proof the the collection has already been removed.

Unable to get credit report/credit score

I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.

Problem caused by your funds being low

Bank of America se nt me a letter stating that I will not be charged a maintenance fee as long that I was in rolled in a cash back deal. But I 'm getting charged a {$5.00} fee anyways.

Incorrect information on credit report

Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.

Deposits and withdrawals

Bank of America WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!

Credit monitoring or identity theft protection services

My personal information has been compromised by the massive Equifax data breach. Equifax has acted negligently and criminally through the process of discovering the breach, selling some of their own shares before even informing customers of current personal risks. On top of that, they are only offering 1 year of enhanced protection.

Problem when making payments

I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections

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

Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.

Disclosure verification of debt

I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit

Incorrect information on your report

Showing an account by the name of XXXX XXXX which has been settled and should Be removed

Incorrect information on credit report

The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Taking out the loan or lease

Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?

Billing disputes

Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )

Cont'd attempts collect debt not owed

they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file

Other fee

I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.

Attempts to collect debt not owed

this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX

Rewards

I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Credit reporting company's investigation

I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

Taking/threatening an illegal action

Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.

Charged fees or interest I didn't expect

Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!

Attempts to collect debt not owed

I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

Improper contact or sharing of info

XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.

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

To Whom It May Concern : This letter is to request the removal of the FRAUD ALERT on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX , XXXX, OH XXXX. XXXXMY CURRENT WORK INFORMATION IS : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX I never made a request to put a fraud alert on my credit report please delete or remove that from my profile status ASAP!

False statements or representation

I was informed via recorded phone call that if I paid {$20.00} a month until entire balance was paid, my credit would not be affected.