determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove them.
Communication tactics	Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!
Incorrect information on your report	Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
Improper use of your report	XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by XXXX.
APR or interest rate	Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Communication tactics	Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Cont'd attempts collect debt not owed	ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird
Balance transfer fee	The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.
Received a loan I didn't apply for	I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX
Incorrect information on credit report	this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s
Incorrect information on your report	My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed
Cont'd attempts collect debt not owed	Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX
Incorrect information on your report	I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Loan servicing, payments, escrow account	Green Tree Servicing LLC has increased the balance on my mortgage.
Communication tactics	This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.
Problems when you are unable to pay	Debt collector is calling my job several times a day.
Incorrect information on your report	XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears
Incorrect information on credit report	Not reporting positive Credit Card Payments.
Cont'd attempts collect debt not owed	I have never done business with this company and do not have a contract with them and never will I want this account to be removed
Attempts to collect debt not owed	no contract with this company! I do n't not owe them
Can't contact lender	Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.
Account opening, closing, or management	I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.
Incorrect information on credit report	I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.
Credit monitoring or identity protection	Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).
Charged fees or interest I didn't expect	I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.
Attempts to collect debt not owed	This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.
Problems when you are unable to pay	They took out {$150.00} on XXXX different occasions without my consent.
Incorrect information on credit report	On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.
Incorrect information on your report	I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until XXXX . This is on some items first incorrectly reported in XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.
False statements or representation	XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.
Attempts to collect debt not owed	A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. ***We have paid { everything }, the mortgage, credit cards, etc. You could see the attached file.
Billing disputes	This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!
Identity theft / Fraud / Embezzlement	Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.
Loan modification,collection,foreclosure	This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.
Attempts to collect debt not owed	I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.
Dealing with my lender or servicer	All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.
Money was not available when promised	A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.
Problem when making payments	Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.
Communication tactics	They will call from XXXX number i will ignore so 15-30 minutes later they will call again. Conn 's will call me no less than 5 times a day.
Incorrect information on credit report	I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.
Disclosure verification of debt	Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Improper use of your report	Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Billing disputes	I sent in payment and got a late fee. I want to be refunded.
Dealing with my lender or servicer	I am attempting to verify the debt that XXXX states that I owe.
Problem with a credit reporting company's investigation into an existing problem	I have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.
Incorrect information on your report	I bought another XXXX in XXXX anticipating the XXXX ( XXXX fraud ) buyback announced for XXXX 2017 , but delayed till XXXX 17. I called XXXX and informed them of my inability to continue XXXX car payments and no problems were mentioned then. I sold the car back to XXXX in XXXX XXXX , 2017 .
Incorrect information on credit report	Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number XXXX ...
Attempts to collect debt not owed	This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Improper use of your report	I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Disclosure verification of debt	Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.
Closing your account	I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections
Communication tactics	Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.
Closing your account	I just ran a credit report and found I have had a credit line with XXXX for the last 11 months. I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed ASAP.
Problem with a credit reporting company's investigation into an existing problem	I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.
Incorrect information on your report	Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Incorrect information on your report	XXXX, XXXX and Trans Union are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
Improper use of my credit report	Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
Credit reporting company's investigation	I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX
Charged fees or interest I didn't expect	I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.
Improper use of your report	XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
Problem with fraud alerts or security freezes	Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... Equifax has not replied to any of my requests
Credit line increase/decrease	Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. Increase my credit line back where it was.
Attempts to collect debt not owed	The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. Equifax, and other agenices continue to report the bad debt.! PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!
Cont'd attempts collect debt not owed	A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.
Shopping for a loan or lease	I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.
Attempts to collect debt not owed	After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.
Loan modification,collection,foreclosure	My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX.
Application, originator, mortgage broker	A collection company is foreclosing on my home illegally. The loan for our home is paid off in full.
Credit reporting company's investigation	I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. Thank you XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.
Credit reporting company's investigation	XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Late fee	I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.
Disclosure verification of debt	Unknown company listed on my credit and unknown account and bill I have disputed and nothing received
Loan modification,collection,foreclosure	My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me
Other features, terms, or problems	Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.
Cont'd attempts collect debt not owed	I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help
Took or threatened to take negative or legal action	Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.
Attempts to collect debt not owed	had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again
Cont'd attempts collect debt not owed	You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.
Communication tactics	Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.
Communication tactics	The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.
Problems caused by my funds being low	Amount paid in full.
Account opening, closing, or management	On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.
Charged fees or interest I didn't expect	calling and threatening me with court and coming to my house. This is the company : XXXX
Cont'd attempts collect debt not owed	I have no knowledge of said debt.
Improper contact or sharing of info	I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.
Loan servicing, payments, escrow account	was charged for lender issued insurance when a policy was already in place
Incorrect information on your report	I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Incorrect information on credit report	On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.
Communication tactics	They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after XXXX XXXX XXXX XXXX and using other numbers. The company name is Portfolio Recovery.
Taking/threatening an illegal action	Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.
Cont'd attempts collect debt not owed	Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.
Incorrect information on your report	Account with with insufficient funds is reported as fraud.
Settlement process and costs	I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.
Credit determination	American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.
Incorrect information on credit report	I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Incorrect information on credit report

All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove them.

Communication tactics

Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!

Incorrect information on your report

Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

Improper use of your report

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Incorrect information on your report

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

Incorrect information on credit report

I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by XXXX.

APR or interest rate

Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.

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

XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

Communication tactics

Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Cont'd attempts collect debt not owed

ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird

Balance transfer fee

The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.

Received a loan I didn't apply for

I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX

Incorrect information on credit report

this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s

Incorrect information on your report

My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

Cont'd attempts collect debt not owed

Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX

Incorrect information on your report

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Loan servicing, payments, escrow account

Green Tree Servicing LLC has increased the balance on my mortgage.

Communication tactics

This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.

Problems when you are unable to pay

Debt collector is calling my job several times a day.

Incorrect information on your report

XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears

Incorrect information on credit report

Not reporting positive Credit Card Payments.

Cont'd attempts collect debt not owed

I have never done business with this company and do not have a contract with them and never will I want this account to be removed

Attempts to collect debt not owed

no contract with this company! I do n't not owe them

Can't contact lender

Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.

Account opening, closing, or management

I opened a citibank saving account, because there was a {$25.00} promotion around XX/XX/XXXX or XX/XX/XXXX. I contacted citibank many times and it seems citibank does n't want to honor this promotion.

Incorrect information on credit report

I looked over my credit report and I found errors. I sent a dispute letter asking them to investigate the errors along with a photo copy of my California Drivers License. They sent me a letter requesting a copy of my Social Security Card and many other documents.

Credit monitoring or identity protection

Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).

Charged fees or interest I didn't expect

I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.

Attempts to collect debt not owed

This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.

Problems when you are unable to pay

They took out {$150.00} on XXXX different occasions without my consent.

Incorrect information on credit report

On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.

Incorrect information on your report

I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until XXXX . This is on some items first incorrectly reported in XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.

False statements or representation

XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.

Attempts to collect debt not owed

A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. ***We have paid { everything }, the mortgage, credit cards, etc. You could see the attached file.

Billing disputes

This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them it is XXXX XXXX tried to collect a debt I DO NOT OWE-letter sent to them is XXXX & XXXX The Collection Firm tried to collect a debt I DO NOT OWE-Letters attached that was sent to themXX/XX/XXXX XXXX is trying to collect a debt I DO NOT OWE-The Debt shows from XXXX has violated the policies established to protect sonsumers!!!!

Identity theft / Fraud / Embezzlement

Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.

Loan modification,collection,foreclosure

This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.

Attempts to collect debt not owed

I was diagnosed with XXXX XXXX in XX/XX/2014 and insurance company took their time paying XXXX hospital in XXXX so XXXX hospital sent the amount to XXXX XXXX XXXX within a month of my XXXX. Insurance paid this debt. No matter how many times we talk to the law firm they wont take it off my credit. I have called XXXX hospital and they apologized but nothing was done. Whats my next step. Oh I did go to the clerks office and they are sending me the paid bill.

Dealing with my lender or servicer

All of my records state that the next available payment is due on all loans on XXXX/XXXX/2016, however, my Equifax credit score is showing a XXXX point decrease due to what seems to be a missed payment. I have been in loan deferment/forbearance since XX/XX/XXXX. I want to know why this drop occurred, when all payments are not due until next month.

Money was not available when promised

A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.

Problem when making payments

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.

Communication tactics

They will call from XXXX number i will ignore so 15-30 minutes later they will call again. Conn 's will call me no less than 5 times a day.

Incorrect information on credit report

I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.

Disclosure verification of debt

Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Improper use of your report

Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

Billing disputes

I sent in payment and got a late fee. I want to be refunded.

Dealing with my lender or servicer

I am attempting to verify the debt that XXXX states that I owe.

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

I have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.

Incorrect information on your report

I bought another XXXX in XXXX anticipating the XXXX ( XXXX fraud ) buyback announced for XXXX 2017 , but delayed till XXXX 17. I called XXXX and informed them of my inability to continue XXXX car payments and no problems were mentioned then. I sold the car back to XXXX in XXXX XXXX , 2017 .

Incorrect information on credit report

Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number XXXX ...

Attempts to collect debt not owed

This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Improper use of your report

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

Disclosure verification of debt

Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.

Closing your account

I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections

Communication tactics

Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.

Closing your account

I just ran a credit report and found I have had a credit line with XXXX for the last 11 months. I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed ASAP.

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

I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.

Incorrect information on your report

Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX

Incorrect information on your report

XXXX, XXXX and Trans Union are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Improper use of my credit report

Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

Credit reporting company's investigation

I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX

Charged fees or interest I didn't expect

I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. The initial loan was under {$500.00} the bill is now almost {$1500.00} four months later.

Improper use of your report

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Problem with fraud alerts or security freezes

Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... Equifax has not replied to any of my requests

Credit line increase/decrease

Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. Increase my credit line back where it was.

Attempts to collect debt not owed

The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. Equifax, and other agenices continue to report the bad debt.! PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!

Cont'd attempts collect debt not owed

A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.

Shopping for a loan or lease

I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.

Attempts to collect debt not owed

After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.

Loan modification,collection,foreclosure

My deceased mother continue to recieve mail and correspondence From CitiMortgage , Inc in regards to an alleged Mortgage : Please se CFPB Case # XXXX XXXX, XXXX & XXXX.

Application, originator, mortgage broker

A collection company is foreclosing on my home illegally. The loan for our home is paid off in full.

Credit reporting company's investigation

I 'm filing a complaint because Equifax has not provided me with the documents that their company has on file to validate and verify accounts I requested as I do not recognize those accounts. Please resolve this issue ASAP. Thank you XXXX XXXX

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

I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.

Credit reporting company's investigation

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.

Late fee

I have closed my account with Macy 's for a credit card multiple times ( most recently in XXXX 2015 ) and I have received new statements with late balances. I closed the card due to the inappropriate application of fees and late fees. Now, with the account closed with a XXXX balance four months ago, I receive a new statement saying I owe {$8.00}.

Disclosure verification of debt

Unknown company listed on my credit and unknown account and bill I have disputed and nothing received

Loan modification,collection,foreclosure

My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me

Other features, terms, or problems

Company states that I have never tried to access my account, when I have tried many times without success. I am attaching a screen shot that shows that I was able to login using my username and password. The company then states that they are sending me a code the NEVER arrives.

Cont'd attempts collect debt not owed

I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help

Took or threatened to take negative or legal action

Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.

Attempts to collect debt not owed

had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again

Cont'd attempts collect debt not owed

You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.

Communication tactics

Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.

Communication tactics

The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.

Problems caused by my funds being low

Amount paid in full.

Account opening, closing, or management

On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.

Charged fees or interest I didn't expect

calling and threatening me with court and coming to my house. This is the company : XXXX

Cont'd attempts collect debt not owed

I have no knowledge of said debt.

Improper contact or sharing of info

I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.

Loan servicing, payments, escrow account

was charged for lender issued insurance when a policy was already in place

Incorrect information on your report

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

Incorrect information on credit report

On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.

Communication tactics

They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after XXXX XXXX XXXX XXXX and using other numbers. The company name is Portfolio Recovery.

Taking/threatening an illegal action

Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.

Cont'd attempts collect debt not owed

Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.

Incorrect information on your report

Account with with insufficient funds is reported as fraud.

Settlement process and costs

I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.

Credit determination

American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.

Incorrect information on credit report

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.