determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.
Improper use of my credit report	Experian refuses to remove a security hold on my report
Incorrect information on credit report	A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.
Credit determination	Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.
Cont'd attempts collect debt not owed	BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.
Incorrect information on credit report	There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX
Unable to get your credit report or credit score	HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.
Disclosure verification of debt	Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.
Communication tactics	I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.
Communication tactics	Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.
Problem with a credit reporting company's investigation into an existing problem	My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Account opening, closing, or management	I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.
Incorrect information on credit report	The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.
Credit determination	I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.
Unable to get credit report/credit score	This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.
Making/receiving payments, sending money	I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.
Incorrect information on credit report	There is a new address on my report that is not mine
Attempts to collect debt not owed	XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.
Incorrect information on credit report	This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.
Improper use of your report	Equifax misused my information and did not take proper steps to protect my information, along with millions of other people.
Cont'd attempts collect debt not owed	According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.
Credit monitoring or identity protection	I was refused a copy of my free annual credit report from Trans Union. I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. I need free copy of my credit report so I can find out why I was refused a mortgage loan.
Can't repay my loan	I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments
Incorrect information on your report	To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
Incorrect information on your report	I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.
Improper use of your report	This complaint is to remove multiple inquiries that I did not approve or initiate. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX
Written notification about debt	After receiving a letter from IC System on XXXX XXXX , 2017 of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on XXXX XXXX , 2017 ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.
Fraud or scam	I had transferred money thru paypal to purchase an item for {$200.00}. The seller never sent the item, it 's almost been a month and item never received
Incorrect information on your report	I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on XXXX XXXX.
Balance transfer	I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.
Incorrect information on your report	I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX
Account opening, closing, or management	In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.
Improper contact or sharing of info	I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. {$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.
Disclosure verification of debt	Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications
Disclosure verification of debt	EOS CCA did not verify debt and billing statements.
Improper use of your report	On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.
Improper use of your report	I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
Incorrect information on credit report	I have a tax lien on my credit report that should n't be on there.
Communication tactics	After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.
Improper use of your report	I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.
Attempts to collect debt not owed	spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.
Unable to get your credit report or credit score	IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.
Incorrect information on your report	I bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
Rewards	We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.
Improper use of your report	I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.
Application, originator, mortgage broker	on XXXX 2015 I applied for mortgage refinance from Quicken loans. My understanding Quicken loans will inquire about my credit once, instead QL inquired 3 times in less than one month.
Incorrect information on your report	Recently looking at my credit report, i came to find a few fraud accounts. But this one is a Best Buy credit card with a balance of {$2000.00} and a limit of {$2000.00}. My report says it was opened XXXX XXXX, 2015. I called them and they closed the account but i am in the middle of filing a fraud report because i do not know what it is.
Improper use of your report	hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016
Problem with a credit reporting company's investigation into an existing problem	I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.
Loan servicing, payments, escrow account	I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.
Incorrect information on your report	I 've requested via online disputes as well as calling the credit bureaus to delete XXXX incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information
Closing your account	Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.
Trouble using your card	I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.
False statements or representation	I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.
Closing/Cancelling account	I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.
Took or threatened to take negative or legal action	In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.
Incorrect information on credit report	I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.
Improper use of your report	These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
Taking/threatening an illegal action	Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income
Account opening, closing, or management	Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.
Dealing with my lender or servicer	Navient has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.
Cont'd attempts collect debt not owed	This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.
Incorrect information on credit report	I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.
Problem with a credit reporting company's investigation into an existing problem	I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.
Written notification about debt	My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.
Problem with a credit reporting company's investigation into an existing problem	Equifax has been notified of an inaccurate account on my file and has not removed it, despite proof of not being validated. I have written verification from the company that the account can not be verified. Equifax is in violation of FCRA Regulations.
Dealing with my lender or servicer	I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio
Incorrect information on your report	In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. This item should not be on my credit report. It was an illegal act. But XXXX and Transunion will not remove it.
Written notification about debt	I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.
Cont'd attempts collect debt not owed	Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY
Cont'd attempts collect debt not owed	Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.
Credit decision / Underwriting	What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!
Written notification about debt	On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.
Incorrect information on credit report	XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.
Incorrect information on credit report	On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}
Attempts to collect debt not owed	Since XXXX XXXX I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But GO FINANCIAL is reporting debt on my credit reports making it hard for me to make big purchases.
Account opening, closing, or management	PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.
Incorrect information on your report	There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Problem with a credit reporting company's investigation into an existing problem	Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017
Problem with a lender or other company charging your account	Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.
Loan modification,collection,foreclosure	I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.
Loan servicing, payments, escrow account	I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. {$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX
Cont'd attempts collect debt not owed	For the past 1 1/2 yrs we have been harassed by Portofolio Recovery Services for a debt of our adult daughter. The company knows it is not our debt. We were told the company would continue to call until we give them our adult daughter 's phone number. We refused to give them her phone number. She has lived in XXXX for the past 18 yrs. We have lived in XXXX the past 37 years.
Loan modification,collection,foreclosure	On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! See Complaint # XXXX
Written notification about debt	There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3 credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX. I have asked for validation of these Accts and they refuse to validate as I requested.
Cont'd attempts collect debt not owed	A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.
Improper use of your report	I discovered a credit bureau report from XXXX XXXX that I did not authorize.
Incorrect information on credit report	Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. This incorrect information is causing financial hardship.
Took or threatened to take negative or legal action	I sent XXXX XXXX XXXX a debt validation on XXXX XXXX 2017. Amount was for XXXX. XXXX XXXX XXXX never responded. Now XXXX XXXX XXXX is suing me and I did not receive any documents from them. Only documents I received is from XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me. The debt is not mine.
Problem with a credit reporting company's investigation into an existing problem	I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Application, originator, mortgage broker	I need to know what credit scores citi wants before any info is released
Attempts to collect debt not owed	XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything
Loan servicing, payments, escrow account	Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.
Overdraft, savings or rewards features	I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank account
Disclosure verification of debt	Never received any notices or certified letters saying I owed this debt and found out it was on my credit report
Communication tactics	this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome
Attempts to collect debt not owed	Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.
Problem with the payoff process at the end of the loan	Called company regarding the loan, no information has been provided regarding the sale of the vehicle.
Incorrect information on credit report	I have incorrect info on my credit report with address and I also have inquries that are not mine
Incorrect information on your report	XX/XX/XXXX - XX/XX/XXXX {$10000.00} XXXX XXXX XXXX says I owe Dispute after dispute after dispute to no avail ... Contacted th e Better Business Bureau an d reported incident Reported to The Attorney Generals Office and told entire story Called XXXX XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Incorrect information on your report

XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.

Improper use of my credit report

Experian refuses to remove a security hold on my report

Incorrect information on credit report

A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.

Credit determination

Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.

Cont'd attempts collect debt not owed

BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.

Incorrect information on credit report

There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX

Unable to get your credit report or credit score

HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.

Disclosure verification of debt

Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.

Communication tactics

I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.

Communication tactics

Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.

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

My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Account opening, closing, or management

I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.

Incorrect information on credit report

The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.

Credit determination

I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.

Unable to get credit report/credit score

This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.

Making/receiving payments, sending money

I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.

Incorrect information on credit report

There is a new address on my report that is not mine

Attempts to collect debt not owed

XXXX XXXX COLLECTION/CHARGEOFF Other {$1000.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported This debt is showing on my XXXX and XXXX reports and it is not mine. I have called these people and mailed them. Please remove from my file. Please update my reports. Thank you.

Incorrect information on credit report

This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.

Improper use of your report

Equifax misused my information and did not take proper steps to protect my information, along with millions of other people.

Cont'd attempts collect debt not owed

According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.

Credit monitoring or identity protection

I was refused a copy of my free annual credit report from Trans Union. I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. I need free copy of my credit report so I can find out why I was refused a mortgage loan.

Can't repay my loan

I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments

Incorrect information on your report

To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Incorrect information on your report

I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

Improper use of your report

This complaint is to remove multiple inquiries that I did not approve or initiate. XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX

Written notification about debt

After receiving a letter from IC System on XXXX XXXX , 2017 of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on XXXX XXXX , 2017 ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.

Fraud or scam

I had transferred money thru paypal to purchase an item for {$200.00}. The seller never sent the item, it 's almost been a month and item never received

Incorrect information on your report

I have a new mortgage that has not reported to my credit report. I have made 3 monthly payments and about to make a 4th payment on XXXX XXXX.

Balance transfer

I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.

Incorrect information on your report

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX

Account opening, closing, or management

In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.

Improper contact or sharing of info

I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. {$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.

Disclosure verification of debt

Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications

Disclosure verification of debt

EOS CCA did not verify debt and billing statements.

Improper use of your report

On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.

Improper use of your report

I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

Incorrect information on credit report

I have a tax lien on my credit report that should n't be on there.

Communication tactics

After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.

Improper use of your report

I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.

Attempts to collect debt not owed

spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.

Unable to get your credit report or credit score

IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.

Incorrect information on your report

I bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years

Rewards

We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.

Improper use of your report

I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.

Application, originator, mortgage broker

on XXXX 2015 I applied for mortgage refinance from Quicken loans. My understanding Quicken loans will inquire about my credit once, instead QL inquired 3 times in less than one month.

Incorrect information on your report

Recently looking at my credit report, i came to find a few fraud accounts. But this one is a Best Buy credit card with a balance of {$2000.00} and a limit of {$2000.00}. My report says it was opened XXXX XXXX, 2015. I called them and they closed the account but i am in the middle of filing a fraud report because i do not know what it is.

Improper use of your report

hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016

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

I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.

Loan servicing, payments, escrow account

I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.

Incorrect information on your report

I 've requested via online disputes as well as calling the credit bureaus to delete XXXX incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

Closing your account

Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.

Trouble using your card

I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.

False statements or representation

I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.

Closing/Cancelling account

I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.

Took or threatened to take negative or legal action

In Court, the Collections Bureau representative admitted that they filed a lawsuit on a claim that was OVER the statute of limitations. I have the recording of the court proceedings where the representative admitted to filing it falsely.

Incorrect information on credit report

I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.

Improper use of your report

These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

Taking/threatening an illegal action

Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income

Account opening, closing, or management

Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.

Dealing with my lender or servicer

Navient has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.

Cont'd attempts collect debt not owed

This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.

Incorrect information on credit report

I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.

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

I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

Written notification about debt

My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.

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

Equifax has been notified of an inaccurate account on my file and has not removed it, despite proof of not being validated. I have written verification from the company that the account can not be verified. Equifax is in violation of FCRA Regulations.

Dealing with my lender or servicer

I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio

Incorrect information on your report

In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. This item should not be on my credit report. It was an illegal act. But XXXX and Transunion will not remove it.

Written notification about debt

I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.

Cont'd attempts collect debt not owed

Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY

Cont'd attempts collect debt not owed

Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.

Credit decision / Underwriting

What about the wrong doing of Bank of America and what they did to this senior even having XXXX dollars title insurance policy. What they did was totally illegal and very wrong!!! AS far as we know they never owned the land that they gave me a mortgage on with me paying XXXX down and paying XXXX a month for 6years is there not anyone that can do the wrong that they have done to me!!

Written notification about debt

On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.

Incorrect information on credit report

XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.

Incorrect information on credit report

On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}

Attempts to collect debt not owed

Since XXXX XXXX I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But GO FINANCIAL is reporting debt on my credit reports making it hard for me to make big purchases.

Account opening, closing, or management

PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.

Incorrect information on your report

There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

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

Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017

Problem with a lender or other company charging your account

Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.

Loan modification,collection,foreclosure

I have been attempting to apply to get my mortgage loan modified for over a year. Every time they want more and more paperwork and allow existing paperwork to expire. I do not feel that they are attempting to work with me to keep my house. I have become XXXX and I am trying to get my loan to a payment I can afford but it feels like the company is fighting against me putting road blocks up.

Loan servicing, payments, escrow account

I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. {$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX

Cont'd attempts collect debt not owed

For the past 1 1/2 yrs we have been harassed by Portofolio Recovery Services for a debt of our adult daughter. The company knows it is not our debt. We were told the company would continue to call until we give them our adult daughter 's phone number. We refused to give them her phone number. She has lived in XXXX for the past 18 yrs. We have lived in XXXX the past 37 years.

Loan modification,collection,foreclosure

On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! See Complaint # XXXX

Written notification about debt

There is an acct from XXXX XXXX and XXXX XXXX XXXX that was removed from all 3 credit reports then popped back up on them. I have asked Equifax , XXXX XXXX and XXXX. I have asked for validation of these Accts and they refuse to validate as I requested.

Cont'd attempts collect debt not owed

A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.

Improper use of your report

I discovered a credit bureau report from XXXX XXXX that I did not authorize.

Incorrect information on credit report

Equifax Credit Bureau is incorrectly reporting that I was 30 days late for XX/XX/XXXX on my XXXX account. Equifax Credit Bureau is incorrectly reporting that there is no data for the on time payment made for XX/XX/XXXX on my XXXX account. This incorrect information is causing financial hardship.

Took or threatened to take negative or legal action

I sent XXXX XXXX XXXX a debt validation on XXXX XXXX 2017. Amount was for XXXX. XXXX XXXX XXXX never responded. Now XXXX XXXX XXXX is suing me and I did not receive any documents from them. Only documents I received is from XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me. The debt is not mine.

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

I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Application, originator, mortgage broker

I need to know what credit scores citi wants before any info is released

Attempts to collect debt not owed

XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything

Loan servicing, payments, escrow account

Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.

Overdraft, savings or rewards features

I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank account

Disclosure verification of debt

Never received any notices or certified letters saying I owed this debt and found out it was on my credit report

Communication tactics

this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome

Attempts to collect debt not owed

Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.

Problem with the payoff process at the end of the loan

Called company regarding the loan, no information has been provided regarding the sale of the vehicle.

Incorrect information on credit report

I have incorrect info on my credit report with address and I also have inquries that are not mine

Incorrect information on your report

XX/XX/XXXX - XX/XX/XXXX {$10000.00} XXXX XXXX XXXX says I owe Dispute after dispute after dispute to no avail ... Contacted th e Better Business Bureau an d reported incident Reported to The Attorney Generals Office and told entire story Called XXXX XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.