determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	I have reported to the financial institution fraudulent usage of my information
Credit reporting company's investigation	I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter
Incorrect information on credit report	XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Unable to get credit report/credit score	We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Credit reporting company's investigation	Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.
Improper contact or sharing of info	I do not know who they are but they are calling me on a work issued cell phone number.
Cont'd attempts collect debt not owed	on XXXX/XXXX/2015 XXXX accessed my credit report with permission.
Credit reporting company's investigation	TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.
Wrong amount charged or received	A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX
Problems caused by my funds being low	I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged XXXX
Charged fees or interest I didn't expect	AUTO MONEY TITLE LOAN, used unlawful behavior to take my property. By contacting family and friends and invasion of privacy. After informing them of trying to reorganize my finances in order to repay them and retrial my title back. We have done business with them before and have always paid our accounts off.
Charged fees or interest you didn't expect	I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!
Attempts to collect debt not owed	Account was opened by my spouse in my name without my knowledge or consent. Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.
Cont'd attempts collect debt not owed	I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX
Charged fees or interest I didn't expect	Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.
Loan servicing, payments, escrow account	We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time. They sporadically send monthly statements with the payment coupon. I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly. They seem to miss every 3rd month. It makes me feel that they WANT us to default on this loan.
Written notification about debt	- [ ] Re : Acct # XXXX To Whom I t May Concern: XXXX This letter is regarding account # XXXX which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to
Charged fees or interest you didn't expect	we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX
Incorrect information on credit report	Trans union falsely reported a delinquent account from XXXX. The account was never delinquent and XXXX sent a proof of that.
Fraud or scam	I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.
Written notification about debt	XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES
Incorrect information on credit report	I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,
Communication tactics	Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.
Loan servicing, payments, escrow account	I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.
Incorrect information on credit report	1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 3. I have no idea what XXXX or XXXX is. Thank you
Unsolicited issuance of credit card	I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.
Cont'd attempts collect debt not owed	Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
Taking/threatening an illegal action	Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act.
Incorrect information on your report	I have been a victim of identity theft. I have a FTC affidavit and a police report and XXXX, trans union will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
Dealing with my lender or servicer	XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.
Incorrect information on your report	cra violation inaccurate information or id theft victim i sent them
Dealing with my lender or servicer	XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?
Closing an account	I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.
False statements or representation	Long funding loc. XXXX XXXX XXXX XXXX. Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.
Payoff process	I have a letter stating from American Express a balance owed of {$3500.00}. That has a full settlement amount agreement of {$200.00} which was paid in full. And they are still contacting me to pay more. I have the original copy of the letter
False statements or representation	On XXXX - My debt is listed 2 times. I have always been covered by health insurance so this should had been paid.
Other transaction issues	Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter.
Loan modification,collection,foreclosure	I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?
Incorrect information on credit report	Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Cont'd attempts collect debt not owed	I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Deposits and withdrawals	I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?
Fees or interest	Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.
Communication tactics	Holst & Boettcher continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.
Incorrect information on your report	" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Cont'd attempts collect debt not owed	On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.
Incorrect information on your report	my wallet was stolen. someone tried to open several credit cards in my name.
Managing the loan or lease	I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.
Attempts to collect debt not owed	I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Credit reporting company's investigation	I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.
Other features, terms, or problems	I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points
Dealing with my lender or servicer	Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. Killing my credit
Credit reporting company's investigation	XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Incorrect information on your report	Universal has my account listed as closed instead of paid. It is impacting credit score
Struggling to repay your loan	I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.
Disclosure verification of debt	I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.
Cont'd attempts collect debt not owed	Checked my credit report and have a derogatory remark against my credit score. A debt of XXXX dollars for a electrical bill in XXXX, VA. I do n't live in XXXX. So of course this could be identity theft as well.
Loan servicing, payments, escrow account	I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech XXXX!
Cont'd attempts collect debt not owed	Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.
Credit decision / Underwriting	here is what XXXX sold me to.XXXX
Cont'd attempts collect debt not owed	I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.
Attempts to collect debt not owed	LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.
Incorrect information on credit report	On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all XXXX.
Disclosure verification of debt	Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.
Opening an account	I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank
Communication tactics	Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.
Disclosure verification of debt	I have requested validation of debt several times and they have failed to respond,
Taking/threatening an illegal action	I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.
Improper use of your report	I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX
Communication tactics	On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.
Credit monitoring or identity protection	Stop placing fraud alerts on credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # XXXX
Billing disputes	Target reported me as late on my credit card payment during my XXXX XXXX XXXX and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during XXXX periods from any default reporting and they are refusing to correct this which is affecting my credit report.
Can't repay my loan	I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.
Account opening, closing, or management	On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.
Incorrect information on credit report	Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating
Incorrect information on your report	XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything! This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.
Problem with additional add-on products or services	I requested the company to show me documents bearing my signature and NOT an electronic consent.
Communication tactics	I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.
Credit monitoring or identity protection	do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!
Incorrect information on credit report	I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted
Attempts to collect debt not owed	My girlfriend was XXXX and on XXXX . She was found to have the XXXX XXXX XXXX and her doctor ordered me to go give a XXXX XXXX . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at XXXX XXXX as well as going into the hospital on several occasions and have been turned away and told " just pay it ''
Improper use of your report	XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine
Cont'd attempts collect debt not owed	I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.
Cont'd attempts collect debt not owed	convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.
Incorrect information on credit report	XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.
Cont'd attempts collect debt not owed	Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
Account opening, closing, or management	Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!
Charged fees or interest you didn't expect	I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.
Cont'd attempts collect debt not owed	I went to court with Como Law Firm and we agreed to a payment plan of {$25.00} per month. The judgment is stayed as long as the payment plan is kept current, which it is. The Como Law Firm has illegally reported this dental bill on my credit report. Not to mention it was not my dental bill in the XXXX place it was my wife 's.
Dealing with my lender or servicer	Unfairly increased my payments
Taking out the loan or lease	Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job.
Incorrect information on credit report	My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
Cont'd attempts collect debt not owed	I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.
Taking out the loan or lease	Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.
Credit reporting company's investigation	I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.
Improper use of your report	I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Incorrect information on credit report	XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.
Cont'd attempts collect debt not owed	I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.
Cont'd attempts collect debt not owed	If they were to search their system for the shipping label, they sent us, then we could track it and see that they did receive the equipment.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA
Incorrect information on credit report	This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. I need to have them remove it from Equifax immediately.

Account opening, closing, or management

I have reported to the financial institution fraudulent usage of my information

Credit reporting company's investigation

I am filing this complain because Equifax has ignored my request to provide me with the docs that their company has on file that was used to verify the accounts I disputed. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly DELETE all info that ca n't be verified. Please fix this matter

Incorrect information on credit report

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Unable to get credit report/credit score

We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Credit reporting company's investigation

Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.

Improper contact or sharing of info

I do not know who they are but they are calling me on a work issued cell phone number.

Cont'd attempts collect debt not owed

on XXXX/XXXX/2015 XXXX accessed my credit report with permission.

Credit reporting company's investigation

TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.

Wrong amount charged or received

A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX

Problems caused by my funds being low

I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged XXXX

Charged fees or interest I didn't expect

AUTO MONEY TITLE LOAN, used unlawful behavior to take my property. By contacting family and friends and invasion of privacy. After informing them of trying to reorganize my finances in order to repay them and retrial my title back. We have done business with them before and have always paid our accounts off.

Charged fees or interest you didn't expect

I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!

Attempts to collect debt not owed

Account was opened by my spouse in my name without my knowledge or consent. Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.

Cont'd attempts collect debt not owed

I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX

Charged fees or interest I didn't expect

Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.

Loan servicing, payments, escrow account

We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time. They sporadically send monthly statements with the payment coupon. I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly. They seem to miss every 3rd month. It makes me feel that they WANT us to default on this loan.

Written notification about debt

- [ ] Re : Acct # XXXX To Whom I t May Concern: XXXX This letter is regarding account # XXXX which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to

Charged fees or interest you didn't expect

we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX

Incorrect information on credit report

Trans union falsely reported a delinquent account from XXXX. The account was never delinquent and XXXX sent a proof of that.

Fraud or scam

I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.

Written notification about debt

XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES

Incorrect information on credit report

I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,

Communication tactics

Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.

Loan servicing, payments, escrow account

I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.

Incorrect information on credit report

1. at this time. home depot is paid in full. it was a washer. I closed the card because of the unprofessionalism of their customer service. therefore I did not want to do any business with them. 2. Att. uverse. I sent them their receiver back and that has shown up. They are charging me for something that I am not using. 3. I have no idea what XXXX or XXXX is. Thank you

Unsolicited issuance of credit card

I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.

Cont'd attempts collect debt not owed

Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.

Taking/threatening an illegal action

Third party collection agency garnish my wages without verifying the debt after I sent them a debt verification notice several times. The agency is in violation of my Due Process of Law, Supreme Court Case Law, International Law and in violation of the Fair Debt Collections Practices Act.

Incorrect information on your report

I have been a victim of identity theft. I have a FTC affidavit and a police report and XXXX, trans union will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of

Dealing with my lender or servicer

XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.

Incorrect information on your report

cra violation inaccurate information or id theft victim i sent them

Dealing with my lender or servicer

XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?

Closing an account

I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.

False statements or representation

Long funding loc. XXXX XXXX XXXX XXXX. Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.

Payoff process

I have a letter stating from American Express a balance owed of {$3500.00}. That has a full settlement amount agreement of {$200.00} which was paid in full. And they are still contacting me to pay more. I have the original copy of the letter

False statements or representation

On XXXX - My debt is listed 2 times. I have always been covered by health insurance so this should had been paid.

Other transaction issues

Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter.

Loan modification,collection,foreclosure

I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?

Incorrect information on credit report

Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Cont'd attempts collect debt not owed

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Deposits and withdrawals

I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?

Fees or interest

Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.

Communication tactics

Holst & Boettcher continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.

Incorrect information on your report

" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

Cont'd attempts collect debt not owed

On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.

Incorrect information on your report

my wallet was stolen. someone tried to open several credit cards in my name.

Managing the loan or lease

I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.

Attempts to collect debt not owed

I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

Credit reporting company's investigation

I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.

Other features, terms, or problems

I've been a loyal customer with citi for over a decade, never had late payments or so, i've earned over XXXX Reward points, and they all of sudden for no valid reason - shut my account and stole the points

Dealing with my lender or servicer

Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. Killing my credit

Credit reporting company's investigation

XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX

Incorrect information on your report

Universal has my account listed as closed instead of paid. It is impacting credit score

Struggling to repay your loan

I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.

Disclosure verification of debt

I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.

Cont'd attempts collect debt not owed

Checked my credit report and have a derogatory remark against my credit score. A debt of XXXX dollars for a electrical bill in XXXX, VA. I do n't live in XXXX. So of course this could be identity theft as well.

Loan servicing, payments, escrow account

I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech XXXX!

Cont'd attempts collect debt not owed

Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.

Credit decision / Underwriting

here is what XXXX sold me to.XXXX

Cont'd attempts collect debt not owed

I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.

Attempts to collect debt not owed

LVNV FUNDING LLC, is attempting to collect a debt for a credit card with XXXX XXXX Bank that is not mine. This is showing on my credit report as a derogatory mark.

Incorrect information on credit report

On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all XXXX.

Disclosure verification of debt

Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.

Opening an account

I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank

Communication tactics

Asked XXXX XXXX XXXX XXXX to stop calling my cell phone repeatedly 5-6 times daily. After that I started getting a the same calls from XXXX XXXX XXXX XXXX now showing up as unknown caller with no number sometimes 10 times in one day.

Disclosure verification of debt

I have requested validation of debt several times and they have failed to respond,

Taking/threatening an illegal action

I was sued. They won. I was not aware of any of this. Today I look at my bank account at it is empty, and so is my savings account. In total they took almost {$4300.00}. I now have an overdraft in both accounts. I am a student teacher and earning no income. I was living on this money until I finished school. I now can not afford to pay my bills. I do not know what I am going to do.

Improper use of your report

I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX

Communication tactics

On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.

Credit monitoring or identity protection

Stop placing fraud alerts on credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # XXXX

Billing disputes

Target reported me as late on my credit card payment during my XXXX XXXX XXXX and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during XXXX periods from any default reporting and they are refusing to correct this which is affecting my credit report.

Can't repay my loan

I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.

Account opening, closing, or management

On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.

Incorrect information on credit report

Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating

Incorrect information on your report

XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything! This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.

Problem with additional add-on products or services

I requested the company to show me documents bearing my signature and NOT an electronic consent.

Communication tactics

I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.

Credit monitoring or identity protection

do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!

Incorrect information on credit report

I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted

Attempts to collect debt not owed

My girlfriend was XXXX and on XXXX . She was found to have the XXXX XXXX XXXX and her doctor ordered me to go give a XXXX XXXX . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at XXXX XXXX as well as going into the hospital on several occasions and have been turned away and told " just pay it ''

Improper use of your report

XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine

Cont'd attempts collect debt not owed

I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.

Cont'd attempts collect debt not owed

convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.

Incorrect information on credit report

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.

Cont'd attempts collect debt not owed

Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.

Account opening, closing, or management

Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!

Charged fees or interest you didn't expect

I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.

Cont'd attempts collect debt not owed

I went to court with Como Law Firm and we agreed to a payment plan of {$25.00} per month. The judgment is stayed as long as the payment plan is kept current, which it is. The Como Law Firm has illegally reported this dental bill on my credit report. Not to mention it was not my dental bill in the XXXX place it was my wife 's.

Dealing with my lender or servicer

Unfairly increased my payments

Taking out the loan or lease

Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job.

Incorrect information on credit report

My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

Cont'd attempts collect debt not owed

I paid a debt owed to XXXX, but the collections agency, Rash Curtis, continues to harass me, calling during work hours and trying to get interest on the already paid debt to XXXX. I have an email from XXXX attesting to the fact I have paid my debt in full.

Taking out the loan or lease

Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.

Credit reporting company's investigation

I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.

Improper use of your report

I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Incorrect information on credit report

XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.

Cont'd attempts collect debt not owed

I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.

Cont'd attempts collect debt not owed

If they were to search their system for the shipping label, they sent us, then we could track it and see that they did receive the equipment.

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA

Incorrect information on credit report

This public record is more than seven years old and is not mine. It is with Equifax and I can not seem to get it removed. I keep getting the run around. The account is with Unifund for the total {$16000.00} of Public Record Details Docket Number with XXXX XXXX, TN XXXX Court Status Pending Amount {$16000.00}. I need to have them remove it from Equifax immediately.