determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.
Incorrect information on credit report	I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.
Incorrect information on your report	There 's a XXXX name showing up on my credit report XXXX XXXX XXXX that is not my name, I have never used an alias name I always use my name which is XXXX XXXX XXXX I have no other name.
Cont'd attempts collect debt not owed	when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. This is not how you treat customers.
Improper use of your report	I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.
Improper use of your report	My credit information was illegally obtained due in part to the negligence of Equifax.
Disclosure verification of debt	CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.
Incorrect information on credit report	I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.
Disclosure verification of debt	I have requested debt validation for an account and have gotten no reponse
Incorrect information on credit report	TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed
Improper use of your report	Equifax improperly used my credit report as a credit reporting agency. Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.
Took or threatened to take negative or legal action	I recently dealt with XXXX XXXX removing information from all XXXX credit agencies which they followed however the sold my contrac t to Deville asset management who are not bonded in the state of texas to collect debt so i ask that this be removed from all XXXX credit agencies as well or uf bonded and just not updated on the state of texas sec please send me copy.
Improper use of your report	A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
Account opening, closing, or management	We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.
Loan servicing, payments, escrow account	My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!
Incorrect information on credit report	I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.
Cont'd attempts collect debt not owed	This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.
Loan modification,collection,foreclosure	James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.
Incorrect information on your report	This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.
Applied for loan/did not receive money	Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. Thank you
Cont'd attempts collect debt not owed	Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.
Credit decision / Underwriting	I am short selling my house and we have a good offer but nationstar mortgage has an international investor who wants to out house up for auction to see if they get a higher bidder but never addressed the offer they have through the realtor for the short sale. This particular international investor is doing this with many homes. I have been in the short sale process for about 40 days now.
False statements or representation	An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers
Managing, opening, or closing account	I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card
Closing your account	I was checking my credit report and noticed this account was not closed which it should be.
Improper use of your report	Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance
Problem with a credit reporting company's investigation into an existing problem	I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
Fraud or scam	Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.
Unsolicited issuance of credit card	We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.
Taking/threatening an illegal action	i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove it
Attempts to collect debt not owed	This is not my debt. This is identity theft
Incorrect information on credit report	I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.
Incorrect information on credit report	This account with XXXX XXXX supposed to show closed on Equifax and still show transferred. I want Equifax t fix this issue immediately.
Can't repay my loan	My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.
Attempts to collect debt not owed	This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.
Incorrect information on your report	I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.
Incorrect information on your report	I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Incorrect information on your report	This is a follow up to my previous complaint ... I filed for Chapter XXXX in 2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
Cont'd attempts collect debt not owed	I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX
False statements or representation	I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.
Incorrect information on your report	I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.
Communication tactics	They are calling and harassing me at my work.
Incorrect information on your report	Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.
Problem with fraud alerts or security freezes	Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.
Incorrect information on credit report	Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.
Using a debit or ATM card	Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.
Disclosure verification of debt	I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.
Can't stop charges to bank account	I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.
Other	New Information Re : Discover Card trying to falsely collect on alleged debt due to a lost card. They continue to knowingly and falsely publish debt that 's not owed which is damaging my credit. I provided the information I have but, they have not reciprocated since this is all alleged and not mine, they have failed repeatedly, will not provide any supporting information. I have tapes. Tapes will show Discover is in violation of Federal laws.
Communication tactics	I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.
Incorrect information on credit report	There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.
Loan modification,collection,foreclosure	Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.
Disclosure verification of debt	I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice
Taking/threatening an illegal action	THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.
Problem with a company's investigation into an existing issue	I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Incorrect information on credit report	There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.
Cont'd attempts collect debt not owed	Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.
Incorrect information on your report	On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. They told me, it was a account that was canceled by the government. But it is on my credit score, and it is hurting my credit score. Claiming that I owe them. I made a dispute on a dispute site, and they sent the information to a credit bureau. Please help me with this.
Disclosure verification of debt	i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved
False statements or representation	The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected
Incorrect information on credit report	Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. Our recent credit report shows that Transunion has reported this account was past due for 75 days. We request that the past due column be changed to show a XXXX ... ..never paid late.
Loan modification,collection,foreclosure	We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.
Attempts to collect debt not owed	I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you
Deposits and withdrawals	I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.
Improper use of your report	Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.
Dealing with your lender or servicer	After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.
Improper use of your report	Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
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.
Loan servicing, payments, escrow account	The bank charged higher interest rate than the loan contract for two and half years.
Improper use of your report	I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from XXXX or Transunion at all.
Incorrect information on credit report	ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite
Struggling to pay mortgage	In XXXX BOA offered me an incentive under the Home Affordable foreclosure Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.
Communication tactics	Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.
Improper use of your report	The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. XXXX XXXX requested your credit report on XXXX XXXX, XXXX. XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX
Incorrect information on credit report	I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My Credit Report.
Account opening, closing, or management	Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.
Problems caused by my funds being low	For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.
Written notification about debt	I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In XXXX I noticed on my credit report that I have a collection account that I never heard off. It was the amount of XXXX As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
Attempts to collect debt not owed	Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.
Loan payment wasn't credited to your account	One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle
Can't stop charges to bank account	L XXXX XXXX XXXX XXXX XXXX - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.
Dealing with my lender or servicer	I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.
Identity theft / Fraud / Embezzlement	On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.
Incorrect information on your report	Good payment history with companies only one missed payment would like to have removed from credit reports.
Problem with a credit reporting company's investigation into an existing problem	I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
False statements or representation	The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.
Can't repay my loan	The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.
Incorrect information on credit report	I NEVER RECIVED A NOTICE FROM THE COURT. I M TALKING ABOUT THE XXXX CASE. PLEASE HELP ME. XXXX XXXX
Incorrect information on your report	Experian continues to report delinquent payment history for an account settled with XXXX XXXX XXXX despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled inXX/XX/XXXX. I disputed ( see attached ) this with all three of the major credit reporting agencies as well as XXXX XXXX XXXX onXX/XX/XXXX and XXXX and XXXX corrected the error, but Experian did not.
Cont'd attempts collect debt not owed	XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!
Took or threatened to take negative or legal action	XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.
Incorrect information on credit report	Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.
Incorrect information on credit report	I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money
Unable to get credit report/credit score	I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud
Disclosure verification of debt	I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Incorrect information on credit report	on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX REMOVED.
Improper contact or sharing of info	Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.
Getting a credit card	Capital one XXXX XXXX 2015 their is an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for
Disclosure verification of debt	None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.

Incorrect information on credit report

This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.

Incorrect information on credit report

I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.

Incorrect information on your report

There 's a XXXX name showing up on my credit report XXXX XXXX XXXX that is not my name, I have never used an alias name I always use my name which is XXXX XXXX XXXX I have no other name.

Cont'd attempts collect debt not owed

when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. This is not how you treat customers.

Improper use of your report

I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.

Improper use of your report

My credit information was illegally obtained due in part to the negligence of Equifax.

Disclosure verification of debt

CBE XXXX is n't willing to send me the amount that I owe. I have tried to correct my address so they could send me information ( has n't been corrected yet XXXX and tried to get them to email me my amount owed XXXX has n't happened ). When I called to complain tonight, I was told they would have to wait XXXX days before they could send me anything.

Incorrect information on credit report

I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.

Disclosure verification of debt

I have requested debt validation for an account and have gotten no reponse

Incorrect information on credit report

TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed

Improper use of your report

Equifax improperly used my credit report as a credit reporting agency. Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.

Took or threatened to take negative or legal action

I recently dealt with XXXX XXXX removing information from all XXXX credit agencies which they followed however the sold my contrac t to Deville asset management who are not bonded in the state of texas to collect debt so i ask that this be removed from all XXXX credit agencies as well or uf bonded and just not updated on the state of texas sec please send me copy.

Improper use of your report

A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX

Account opening, closing, or management

We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.

Loan servicing, payments, escrow account

My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!

Incorrect information on credit report

I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.

Cont'd attempts collect debt not owed

This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.

Loan modification,collection,foreclosure

James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.

Incorrect information on your report

This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.

Applied for loan/did not receive money

Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. Thank you

Cont'd attempts collect debt not owed

Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.

Credit decision / Underwriting

I am short selling my house and we have a good offer but nationstar mortgage has an international investor who wants to out house up for auction to see if they get a higher bidder but never addressed the offer they have through the realtor for the short sale. This particular international investor is doing this with many homes. I have been in the short sale process for about 40 days now.

False statements or representation

An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers

Managing, opening, or closing account

I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card

Closing your account

I was checking my credit report and noticed this account was not closed which it should be.

Improper use of your report

Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance

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

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

Fraud or scam

Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.

Unsolicited issuance of credit card

We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.

Taking/threatening an illegal action

i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove it

Attempts to collect debt not owed

This is not my debt. This is identity theft

Incorrect information on credit report

I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.

Incorrect information on credit report

This account with XXXX XXXX supposed to show closed on Equifax and still show transferred. I want Equifax t fix this issue immediately.

Can't repay my loan

My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.

Attempts to collect debt not owed

This credit reporting error has been removed from my credit report previously. The issue has now resurfaced and has been added back to my credit report. It is against the guidelines outlined in the FCRA for companies to remove invalid accounts and reage/ readd to their liking. This error needs to be removed from my credit report immediately.

Incorrect information on your report

I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. Thank you.

Incorrect information on your report

I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.

Incorrect information on your report

This is a follow up to my previous complaint ... I filed for Chapter XXXX in 2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

Cont'd attempts collect debt not owed

I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX

False statements or representation

I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.

Incorrect information on your report

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.

Communication tactics

They are calling and harassing me at my work.

Incorrect information on your report

Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.

Problem with fraud alerts or security freezes

Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.

Incorrect information on credit report

Transunion shows XXXX account as C/O ( Charge Off ) whilst it was paid in full.

Using a debit or ATM card

Key Bank keeps putting fraud holds on my account ... and XXXX has to call Key Bank to get them removed, but XXXX also has to wait XXXX40 minutes to speak with someone. Key keeps telling me this is for my protection, which is not true since I understand I am limited to {$50.00}.

Disclosure verification of debt

I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.

Can't stop charges to bank account

I am just checking to see if this payday loan company is legal and legit. As of XXXX, I will have paid back {$850.00} on a {$400.00} loan and, if unable to pay the loan down incrementally, will have paid them {$1300.00} in interest by the time the loan is paid off.

Other

New Information Re : Discover Card trying to falsely collect on alleged debt due to a lost card. They continue to knowingly and falsely publish debt that 's not owed which is damaging my credit. I provided the information I have but, they have not reciprocated since this is all alleged and not mine, they have failed repeatedly, will not provide any supporting information. I have tapes. Tapes will show Discover is in violation of Federal laws.

Communication tactics

I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.

Incorrect information on credit report

There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.

Loan modification,collection,foreclosure

Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.

Disclosure verification of debt

I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice

Taking/threatening an illegal action

THIS COMPANY HAS CALLED ME ON A NUMBER OF TIMES AND I HAVE TOLD THEM THAT I AM NOT XXXX AND THE SSN THAT THEY HAVE IS NOT MINE*********** AND THAT THE LOAN IS NOT MINE. BUT THEY KEPT ON CALLING AFTER I TOLD THEM TIME AFTER TIME THAT I DID N'T TAKE OUT A STUDENT LOAN AND THAT IS NOT MY INFORMATION. THEY STILL WENT AHEAD AND FILE A GARNISHMENT TO MY WORK PLACE AND NOW ARE COLLECTING MONIES FROM ME EVEN THOUGH ALL OF THERE INFORMATION IS INCORRECT.

Problem with a company's investigation into an existing issue

I was a victim of the issue TransUnion had with credit reporting. I called customer service and they were unhelpful. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Incorrect information on credit report

There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.

Cont'd attempts collect debt not owed

Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.

Incorrect information on your report

On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. They told me, it was a account that was canceled by the government. But it is on my credit score, and it is hurting my credit score. Claiming that I owe them. I made a dispute on a dispute site, and they sent the information to a credit bureau. Please help me with this.

Disclosure verification of debt

i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved

False statements or representation

The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected

Incorrect information on credit report

Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. Our recent credit report shows that Transunion has reported this account was past due for 75 days. We request that the past due column be changed to show a XXXX ... ..never paid late.

Loan modification,collection,foreclosure

We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.

Attempts to collect debt not owed

I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you

Deposits and withdrawals

I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.

Improper use of your report

Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.

Dealing with your lender or servicer

After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.

Improper use of your report

Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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.

Loan servicing, payments, escrow account

The bank charged higher interest rate than the loan contract for two and half years.

Improper use of your report

I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from XXXX or Transunion at all.

Incorrect information on credit report

ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite

Struggling to pay mortgage

In XXXX BOA offered me an incentive under the Home Affordable foreclosure Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.

Communication tactics

Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.

Improper use of your report

The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. XXXX XXXX requested your credit report on XXXX XXXX, XXXX. XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX

Incorrect information on credit report

I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My Credit Report.

Account opening, closing, or management

Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.

Problems caused by my funds being low

For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.

Written notification about debt

I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In XXXX I noticed on my credit report that I have a collection account that I never heard off. It was the amount of XXXX As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.

Attempts to collect debt not owed

Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.

Loan payment wasn't credited to your account

One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle

Can't stop charges to bank account

L XXXX XXXX XXXX XXXX XXXX - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.

Dealing with my lender or servicer

I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.

Identity theft / Fraud / Embezzlement

On XX/XX/2016 I was notified by XXXX and my fico of a change on my XXXX credit report. I see that The home depot and a charge credit account in the amount of XXXX with a balance of XXXX. I called Home Depot to inform them that this account wasnt mines and to remove my name. I was told by their customer service rep name XXXX that Home Depot was not allow to remove me from this account ending in # XXXX. They also could tell me who use my information.

Incorrect information on your report

Good payment history with companies only one missed payment would like to have removed from credit reports.

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

I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

False statements or representation

The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.

Can't repay my loan

The contract said that the loan would be eligible for deferment for up to 10 years after completion of school during residency training. Deferment did not mention that interest would have to be paid back during the time. This lead to me calling several times regarding this while penalties accrued. No options were offered or available for someone who was unable to pay the amount every month.

Incorrect information on credit report

I NEVER RECIVED A NOTICE FROM THE COURT. I M TALKING ABOUT THE XXXX CASE. PLEASE HELP ME. XXXX XXXX

Incorrect information on your report

Experian continues to report delinquent payment history for an account settled with XXXX XXXX XXXX despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled inXX/XX/XXXX. I disputed ( see attached ) this with all three of the major credit reporting agencies as well as XXXX XXXX XXXX onXX/XX/XXXX and XXXX and XXXX corrected the error, but Experian did not.

Cont'd attempts collect debt not owed

XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!

Took or threatened to take negative or legal action

XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.

Incorrect information on credit report

Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.

Incorrect information on credit report

I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money

Unable to get credit report/credit score

I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud

Disclosure verification of debt

I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Incorrect information on credit report

on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX REMOVED.

Improper contact or sharing of info

Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.

Getting a credit card

Capital one XXXX XXXX 2015 their is an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for

Disclosure verification of debt

None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.