determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	On my all three credit bureaus show inquiries of almost 50.
Communication tactics	AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.
Improper use of your report	Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.
Managing the loan or lease	I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report
False statements or representation	My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.
Incorrect information on your report	Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.
Improper use of your report	It is on my credit when it should not be.
Problem with a credit reporting company's investigation into an existing problem	I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to
Incorrect information on your report	Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.
Problems caused by my funds being low	This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.
Cont'd attempts collect debt not owed	I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.
Loan servicing, payments, escrow account	Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.
Shopping for a loan or lease	I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Disclosure verification of debt	Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Other transaction problem	On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem
Credit reporting company's investigation	I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my credit report.
Incorrect information on your report	I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
Attempts to collect debt not owed	I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).
Cont'd attempts collect debt not owed	I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT
Attempts to collect debt not owed	I have no knowledge of this collection I pulled my credit fill and this and this collection was listed.
Loan servicing, payments, escrow account	I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!
Problem with a credit reporting company's investigation into an existing problem	Update for : XXXX. Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.
Attempts to collect debt not owed	This company has attempted to collect a debt which is not mine, it is not my name but my social security number. There has been some mistake or my identity has been stolen. I have attempted to correct this matter several times with no success.
Attempts to collect debt not owed	I have contacted XXXX XXXX XXXX ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt.
Making/receiving payments, sending money	I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
Unable to get credit report/credit score	Experian web sites do not function correctly. No phone number to reach a human. Phone hangs up on you if you wait. Corporate office refers to number that hangs up on you. No way to contact except postal mail, in which no one responds. Yet, they have control over financial information that may or may not be correct.
Problems when you are unable to pay	TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.
Loan modification,collection,foreclosure	I sent a rescission in to Select Portfolio Servicing on XXXX/XXXX/2015, they acknowledged the rescission ( XXXX/XXXX/2015 ) and I would like them to comply with the rescission requirements. They did not file any action within 20 days of receipt of the rescission.
Taking/threatening an illegal action	Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. ( XXXX ) XXXX
Incorrect information on your report	I had a auto loan through Wells Fargo Auto that was satified through a Chapter XXXX bankruptcy that was dischsrged in XXXX 2017. Now the commpany is reporting the status of the account as derogatory even though it has been satisfied.
Other features, terms, or problems	I used a Capital One secure credit card to start building up my credit. I was asked for a deposit of {$100.00} to get a credit of {$200.00} at a rate of 24.99 %. I closed this ridiculous account, and I was expecting my deposite back, and it never came. I called them, but it is impossible to get a hold of anyone. I have n't been able to get my deposit back.
Incorrect information on credit report	Experian is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Written notification about debt	I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Disclosure verification of debt	I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. Please investigate
Disclosure verification of debt	No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.
Late fee	I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...
Shopping for a loan or lease	I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.
Taking/threatening an illegal action	I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
Incorrect information on credit report	the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed me
Cont'd attempts collect debt not owed	Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.
Problems when you are unable to pay	Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.
Incorrect information on credit report	On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.
Incorrect information on credit report	Both XXXX and Equifax report my name as XXXX XXXX XXXX. I was born XXXX XXXX. I have NEVER had a middle initial.
Improper use of your report	Private information, including SSN was revealed by Equifax to third parties without authorization.
Unable to get credit report/credit score	It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.
Disclosure verification of debt	i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?
False statements or representation	Misrepresentation. Threatening legal action when outsode statue of limitations.
Communication tactics	They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.
Attempts to collect debt not owed	Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX XXXX XXXX XXXX
Incorrect information on your report	Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Incorrect information on credit report	I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.
Improper use of your report	There were six ( 6 ) companies that performed a HARD INQUIRIES on my Credit Report, on XXXX XXXX XXXX, and I did NOT authorize. They are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I only authorized XXXX XXXX.
Improper use of your report	Equifax mishandled my sensitive personal information, putting me and hundreds of thousands of other Americans at risk of having our identities stolen. I am listed as a potential victim of their security breach on their website http : //www.equifaxsecurity2017.com.
Can't repay my loan	I received a student loan from XXXX XXXX which now go by the name Navient and I have been XXXX and Have lost a large portion of my income. Navient has called me at my employer multiple times, called me after XXXX at night on multiple occasions used intimidation tactics and threats in an attempt to collect debt.
Loan servicing, payments, escrow account	Dear Bank Of AmericaI need your assistance with release of lienThe document number is XXXX for XXXXMy modification was completed XX/XX/XXXXMy discharge for the XXXX mortgage was XX/XX/XXXXThe document number is XXXXThe amount XXXXBy providing lien release I can avoid bankruptcy court to complete avoid lien request requested - however I need to adjust value and will be granted according to bankruptcy judge notesI appreciate your time
False statements or representation	Fedloan servicing {$1700.00}, {$4000.00}, {$2600.00}
Incorrect information on credit report	I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.
Improper use of your report	I am one of the at least 209,000 US customers whom had their personal information affected by the latest Equifax security breach. I was notified using their web tool on X/X/17. I 've since initiated a fraud alert for 90 days to all three credit score bureaus and have requested my credit reports via paper mail ( as their web site tools are down ).
Incorrect information on credit report	Experian continue list XXXX different collection accounts from XXXX XXXX XXXX on my credit report which are not mine.There is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.
Problems when you are unable to pay	Harassment, Trying to collect more than owed, Failing to send written notice of debt, Failing to verify disputed debts, Ignoring Cease Communication Requests.
Cont'd attempts collect debt not owed	In 2007 While I had XXXX XXXX my credit cards were used without my knowledge or consent I reported it to the creditor at the time I also filed a police report and provided information as to whom I believed had committed the theft. however the creditor sold the debt to a collection agency who continues to report the debt and renew the debt keeping it on file over seven years
Cont'd attempts collect debt not owed	Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.
Managing the loan or lease	Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.
Incorrect information on credit report	These are Doctor Bills that have been paid for buy insurance and the way they Discriminated against me I considering suing them for malpractice.
Incorrect information on your report	XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Deposits and withdrawals	In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account information.
Managing the loan or lease	XXXX of 2016 to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.
Application, originator, mortgage broker	XXXX XXXX : Initial Question/Comment : Mortgage refinance interest reporting form XXXX for loan XXXX was not issued XX/XX/2014 to XXXX. Interest deducted from loan XXXX itemized tax XX/XX/2014. Loan XXXX closed XX/XX/2014, interest for XX/XX/XXXX, XX/XX/2014 was reported. Interest on loan XXXX not reported for the time period of XX/XX/2014 thru XX/XX/XXXX closing of loan.
Incorrect information on your report	account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.
Can't repay my loan	Heard about the current lawsuit and I wish to have a evaluation of what my balance should actually be? I woul also like to make sure the interest rate is correct along with the pay off timeframe.
Problems caused by my funds being low	TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.
Incorrect information on credit report	This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing!
Improper use of your report	My information was hacked and now I need to be hyper vigilant about my credit. I did n't need this added stress in my life.
Can't contact lender	they say I have a file for collection with my name on it and they want met to pay threats of serving, arrest, legal action but wont give me any information on how they are calling on behalf of
Disclosure verification of debt	On XXXX First Source Advantage sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Billing disputes	The Law Office of John p. Frye, P.C. ( a collection agency ) has illegally debited my bank account for an amount that was never authorized by me. I filed a dispute with XXXX XXXX XXXX, and it was found in my favor that this group had not acted properly. After some research, I found that this group does not have the best ethical track record.
Account opening, closing, or management	My Banking Accounts were suddenly frozen/closed by my Bank without NOTICE nor release of my cash/money within my accounts. I have checking, savings, ATM/Debt card, XXXX credit cards, and Bill Pay service. I also have Social Security Direct Deposit into my checking which they now have my money. All of which suddenly NOT allowing me to access my accounts/money.
Improper contact or sharing of info	This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed
Improper use of your report	XX/XX/17 - Reading a learning what i will need to do to protect myself after the recent hacking of Equifax. I do not know how much time and effort this will take and i 'm very scared about it.
False statements or representation	Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
Received a loan I didn't apply for	I never got this loan.
Taking out the loan or lease	I found this company E Loan XXXX online very easily. They said they could get me a loan with a very low interest rate, long payoff time for {$1000.00} to {$3000.00}. They wanted me to go to XXXX to purchase XXXX cards - which I did ( { $100.00} worth taking out {$100.00} from XXXX to do this ). After that they did deposit checks ( fraudulent ) into my account from which I purchased more XXXX cards. All told {$700.00} of XXXX cards were purchased.
Opening an account	I opened a Wells Fargo checking account on XXXX . The deadline to open an account for the {$250.00} promotion was XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus ( XXXX debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.
Improper contact or sharing of info	The debt I owe through XXXX XXXX XXXX has not only contacted me after I asked them not to, but they have also called my employer and have harassed anyone that has ties to me.
Unauthorized transactions/trans. issues	American Express Serve has reversed and taken all funds on my prepaid card. They will not allow me access to my funds nor can they explain why my funds were reversed.
Incorrect information on credit report	Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX
Cont'd attempts collect debt not owed	During the last school term of 2014, I was tasked with the care of a XXXX relative. I was already enrolled in classes and was utilizing a tuition deferrment program with my University. I withdrew from courses to care for my relative and this debt has since been sold to a debt collector.
Other	On XX/XX/2017, Chase bank proceeded to do a hard inquiry for promotional purposes without my consent. My credit file has been black for all promotional purposes. This has created a reduction in my credit score.
Incorrect information on credit report	Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Incorrect information on credit report	Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.
False statements or representation	I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.
Incorrect information on credit report	Equifax reports that a XXXX XXXX Secured Card that I cancelled is in dispute. Nothing could be further from the truth. I closed the account myself. It was paid off completely. There is no dispute. I believe that this inclusion is hurting my Equifax credit score and it should be removed.
Dealing with my lender or servicer	the college I was attending was XXXX XXXX which is closed three weeksago. I had a private loan with Genesis Lending Company about XXXX andI am still paying for it even after the college ceases its service. So I amlooking for help to stop this payment and get a refund for all thosepayment I have done for more than a year.
Credit monitoring or identity theft protection services	Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to anyone
Taking out the loan or lease	Did not sign for loan and my name was listed on the account. I called and was told that Wells Fargo could not do anything about it. The loan was for home improvement that my husband opened. My signature was not given. I had to pay off the loan of {$7000.00} so that my credit would not ne harmed.
Disclosure verification of debt	Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.
Written notification about debt	I sent a let ter to National Credit Systems to vali date and verify derogatory information that is on my credit report o n XXXX XXXX 2017. I have not received anything back from this company. I sent another letter the end o f XX/XX/XXXX wi ll still NO response.
Deposits and withdrawals	" Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. XX/XX/XXXX : No bonus has been credited to the account.

Incorrect information on your report

On my all three credit bureaus show inquiries of almost 50.

Communication tactics

AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.

Improper use of your report

Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.

Managing the loan or lease

I was reported XXXX days late from Santander Consumer usa in the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The report was not showing late payment until XX/XX/XXXX. I made all payments on time and do not understand why they added these late payments to my credit report

False statements or representation

My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report.

Incorrect information on your report

Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.

Improper use of your report

It is on my credit when it should not be.

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

I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to

Incorrect information on your report

Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

Problems caused by my funds being low

This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.

Cont'd attempts collect debt not owed

I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.

Loan servicing, payments, escrow account

Nationstar Mortgage discontinued sending my monthly statements two months ago for no reason. I have contacted them several times only to be assured that they will be promptly continued, then nothing happens. Their customer people are rude and unhelpful. In reading their reviews online, it is apparent they are doing this to many other clients in an attempt to generate more late fees. I am hoping you can help me with this matter.

Shopping for a loan or lease

I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.

Billing disputes

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

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Disclosure verification of debt

Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),