determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.
Incorrect information on credit report	There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.
Attempts to collect debt not owed	Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. A XXXX search on this company seems to indicate that they are a scam company. XXXX said that they never heard if them and do not use them or their service. XXXX XXXX Said my account # is XXXX
Communication tactics	PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.
Payoff process	Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.
False statements or representation	XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.
Credit monitoring or identity protection	There is debt listed in collection on my credit report. I was unaware of this debt and have not received any bills or corespondence from the original company or the collection agency. How do I get this removed from my credit report?
Trouble during payment process	Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.
Account opening, closing, or management	I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. Please refer to the CFPB cases : Case number : XXXX Case number : XXXX
Cont'd attempts collect debt not owed	I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.
Incorrect information on your report	I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.
Loan modification,collection,foreclosure	Ocwen held me up for XXXX year and never granted me a modification.
Incorrect information on your report	I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT
Fees or interest	For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.
Other	I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.
Improper use of your report	I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report
Attempts to collect debt not owed	Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.
Disclosure verification of debt	I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.
Taking/threatening an illegal action	I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.
Cont'd attempts collect debt not owed	I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.
Communication tactics	Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
Unable to get credit report/credit score	going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Incorrect information on your report	XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.
Other fee	Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. Payments are always made on time. A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments
Struggling to pay your bill	Company harasses me all day. Receive 20 calls a day
Improper use of your report	I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.
Cont'd attempts collect debt not owed	I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.
Customer service / Customer relations	I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.
Money was not available when promised	Ebay has placed hold on my PayPal account and is preventing me from accessing my money from a sale I 've made. Upon speaking with a manager he said that ebay will never release my money
Problem with a credit reporting company's investigation into an existing problem	I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
Other fee	Company name XXXX XXXX XXXX, XXXX Address : XXXX XXXX. XXXX, XXXX XXXX,, XXXX, OR XXXX aka Visa merchant XXXX and Visa merchant XXXX make unauthorized recurring charges. They do not respond to phone or email contact attempts. They do not obey Visa blocked charge initiations to the credit card.
Incorrect information on credit report	They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.
Incorrect information on your report	XXXX credit report and Transunion is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with XXXX over 15 times
Incorrect information on your report	XXXX is continually reporting a foreclosure that was illegal and had a lot of complicated circumstance ...
Problem with a credit reporting company's investigation into an existing problem	In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Problem with a credit reporting company's investigation into an existing problem	In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.
Disclosure verification of debt	On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Money was not available when promised	Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.
Disclosure verification of debt	After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.
Communication tactics	We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.
Problems when you are unable to pay	This company called API keeps calling and harrassing me. At home, work and my cell phone. They call multiple times a day and threaten me. They also claim that I have been " officially notified. ''
Written notification about debt	I just pulled my credit files and learned that XXXX XXXX XXXX is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.
Cont'd attempts collect debt not owed	Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.
Unable to get credit report/credit score	Equifax refuses to transfer me to a supervisor
Incorrect information on your report	2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.
Cont'd attempts collect debt not owed	I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. I do not have any responsibility for this debt.
Dealing with your lender or servicer	Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly
Managing the loan or lease	I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.
False statements or representation	XXXX XXXX , 17 I have been paying on an account for the electric company that was sent to AARGON Collection Agency. The last statement they are now charging {$32.00} as a line Item of Interest. Amount Owed listed as {$400.00}. Total Balance now is {$ 440.00}. I do not know why they are trying to collect interest and at this rate how do you ever pay off the balance? Seems extremely high.
Incorrect information on your report	Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Deposits and withdrawals	There were about XXXX disputes on my account that I notified Ally Bank about. I was told that the debit card would be closed and I would receive my money back. Well instead of that happening, Ally added on fees for the disputed amounts. They then reported the fees to XXXX and a collections agency as though I had a negative account. I have contacted them several times to correct this. Please assist.
Incorrect information on credit report	Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report
Incorrect information on credit report	I HAVE HAD NO SUCCESS
Improper contact or sharing of info	Keeps calling to work after speciffically being asked not to call. Could jeopardize my job.
Trouble using your card	I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.
Improper contact or sharing of info	I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.
Can't repay my loan	I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Opening an account	Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.
Attempts to collect debt not owed	THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
False statements or representation	If my balance is XXXX Matrix charges a {$12.00} fee for maintenance. I will have to close the account out. I wish to close the account, but I do n't expect to get a negative credit report. It is unfair to charge money on a close account.
Disclosure verification of debt	on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..
Loan modification,collection,foreclosure	XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..
Attempts to collect debt not owed	I HAVE REQUESTED FROM COMPANY BY NAME OF ( PORTFOLIO RECOVERY ) TO REMOVE INACCURATE INFORMATION FROM MY CREDIT FILE. THIS COMPANY HAS FAILED TO PROVIDE ME WITH REQUESTED INFORMATION TO VALIDATE DEBT. I HAVE REQUESTED TO BE PROVIDED WITH A COPY OF THE ORIGINAL SIGNED CONTRACT AS WELL AS WHAT IDENTIFICATION WAS USED TO OPEN CLAIMED ACCOUNT. THIS COMPANY HAS NOT PROVIDED ME WITH ANYTHING TO VALIDATE DEBT. HOWEVER, CONTINUES TO REPORT INNACCURATE INFORMATION.
Unable to get credit report/credit score	On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.
Problem with a credit reporting company's investigation into an existing problem	I have notified Capital One Auto Finance that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
Incorrect information on credit report	There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.
Unable to get credit report/credit score	I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.
Shopping for a loan or lease	closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.
Unable to get your credit report or credit score	Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.
Communication tactics	When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour
Managing the loan or lease	I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.
Incorrect information on credit report	Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card
Communication tactics	They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.
Attempts to collect debt not owed	I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
Credit reporting company's investigation	Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.
Application, originator, mortgage broker	Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.
Loan modification,collection,foreclosure	My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.
Incorrect information on credit report	XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.
Struggling to pay your bill	In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.
Unable to get credit report/credit score	I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.
Incorrect information on credit report	I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX.
Cont'd attempts collect debt not owed	I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.
Incorrect information on credit report	I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank
Other features, terms, or problems	So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. I have yet to be reimbursed please look into XXXX
Improper use of your report	Equifax did not put the proper protocols in place and its database filled with sensitive information including consumers credit info was compromised by hackers.
Transaction issue	pay pal has put a charge back on my account and will not re move it even, when the card company paid the charge ( has been given conformation number several times ).
Incorrect information on credit report	THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.
Attempts to collect debt not owed	XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.
Incorrect information on your report	I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.
Unable to get credit report/credit score	I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?
Communication tactics	SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS
Incorrect information on credit report	I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. After transfer, to date Nationstar claims more than {$110000.00} is due.
Getting the loan	On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.
Struggling to pay your loan	The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.
Problem with a credit reporting company's investigation into an existing problem	Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Incorrect information on your report	In XXXX and XXXX my social security number was use to file income tax and I also have over XXXX inquiry on my credit report which causes my credit score to d rop drastically
Cont'd attempts collect debt not owed	there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number

Cont'd attempts collect debt not owed

Today, XXXX XXXX, XXXX I received in the mail from the XXXX of XXXX an attempt to collect XXXX parking tickets debts from XXXX years ago, on the date of XXXX/XXXX/XXXX.

Incorrect information on credit report

There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.

Attempts to collect debt not owed

Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. A XXXX search on this company seems to indicate that they are a scam company. XXXX said that they never heard if them and do not use them or their service. XXXX XXXX Said my account # is XXXX

Communication tactics

PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.

Payoff process

Card issuer does not offer an option to enroll in automatic payments. I 'm not sure they even notify me about account balances. My credit has suffered as a result, because a few payments have been delayed. This is the PayPal Extra XXXX Mastercard associated with XXXX. I believe it 's through Synchrony Bank.

False statements or representation

XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.

Credit monitoring or identity protection

There is debt listed in collection on my credit report. I was unaware of this debt and have not received any bills or corespondence from the original company or the collection agency. How do I get this removed from my credit report?

Trouble during payment process

Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.

Account opening, closing, or management

I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. Please refer to the CFPB cases : Case number : XXXX Case number : XXXX

Cont'd attempts collect debt not owed

I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.

Incorrect information on your report

I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.

Loan modification,collection,foreclosure

Ocwen held me up for XXXX year and never granted me a modification.

Incorrect information on your report

I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT

Fees or interest

For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.

Other

I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.

Improper use of your report

I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report

Attempts to collect debt not owed

Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.

Disclosure verification of debt

I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.

Taking/threatening an illegal action

I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.

Cont'd attempts collect debt not owed

I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.

Communication tactics

Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.

Unable to get credit report/credit score

going into reports for XXXX and Equifax I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

Incorrect information on your report

XXXX XXXX/JCPENNEY is reporting that I was late 30 days in paying in XX/XX/XXXX. I have never been late in my payments to this company since I opened my account in XX/XX/XXXX. As of matter of fact, it is the only 30 days lateness on my credit report. It is the first time I see this information. It is not accurate and I want it removed from my credit report.

Other fee

Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. Payments are always made on time. A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments

Struggling to pay your bill

Company harasses me all day. Receive 20 calls a day

Improper use of your report

I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.

Cont'd attempts collect debt not owed

I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.

Customer service / Customer relations

I missed one payment, and Citibank has called me over 15 times in the past 3 days. I have spoken to them twice to explain that I had been out of work, and that I was expecting my 1st paycheck in the next couple of weeks. I have also requested three times to have them stop calling, but they have persisted.

Money was not available when promised

Ebay has placed hold on my PayPal account and is preventing me from accessing my money from a sale I 've made. Upon speaking with a manager he said that ebay will never release my money

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

I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

Other fee

Company name XXXX XXXX XXXX, XXXX Address : XXXX XXXX. XXXX, XXXX XXXX,, XXXX, OR XXXX aka Visa merchant XXXX and Visa merchant XXXX make unauthorized recurring charges. They do not respond to phone or email contact attempts. They do not obey Visa blocked charge initiations to the credit card.

Incorrect information on credit report

They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.

Incorrect information on your report

XXXX credit report and Transunion is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with XXXX over 15 times

Incorrect information on your report

XXXX is continually reporting a foreclosure that was illegal and had a lot of complicated circumstance ...

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

In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.

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

In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.

Disclosure verification of debt

On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Money was not available when promised

Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.

Disclosure verification of debt

After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.

Communication tactics

We have told this creditor we can pay some after XXXX. Please stop calling just contact by mail. They call every other day at XXXX a.m. and we work from home.

Problems when you are unable to pay

This company called API keeps calling and harrassing me. At home, work and my cell phone. They call multiple times a day and threaten me. They also claim that I have been " officially notified. ''

Written notification about debt

I just pulled my credit files and learned that XXXX XXXX XXXX is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.

Cont'd attempts collect debt not owed

Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.

Unable to get credit report/credit score

Equifax refuses to transfer me to a supervisor

Incorrect information on your report

2 years ago i XXXX XXXX XXXX Filed a Bankruptcy and my loan. now every time my brother applies for his own credit he gets denied because they see my history i wan na know if its our social security thats mixed up or our names.

Cont'd attempts collect debt not owed

I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. I do not have any responsibility for this debt.

Dealing with your lender or servicer

Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly

Managing the loan or lease

I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.

False statements or representation

XXXX XXXX , 17 I have been paying on an account for the electric company that was sent to AARGON Collection Agency. The last statement they are now charging {$32.00} as a line Item of Interest. Amount Owed listed as {$400.00}. Total Balance now is {$ 440.00}. I do not know why they are trying to collect interest and at this rate how do you ever pay off the balance? Seems extremely high.

Incorrect information on your report

Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.

Deposits and withdrawals

There were about XXXX disputes on my account that I notified Ally Bank about. I was told that the debit card would be closed and I would receive my money back. Well instead of that happening, Ally added on fees for the disputed amounts. They then reported the fees to XXXX and a collections agency as though I had a negative account. I have contacted them several times to correct this. Please assist.

Incorrect information on credit report

Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report

Incorrect information on credit report

I HAVE HAD NO SUCCESS

Improper contact or sharing of info

Keeps calling to work after speciffically being asked not to call. Could jeopardize my job.

Trouble using your card

I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.

Improper contact or sharing of info

I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.

Can't repay my loan

I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.

Incorrect information on your report

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

Incorrect information on credit report

Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

Opening an account

Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.

Attempts to collect debt not owed

THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

False statements or representation

If my balance is XXXX Matrix charges a {$12.00} fee for maintenance. I will have to close the account out. I wish to close the account, but I do n't expect to get a negative credit report. It is unfair to charge money on a close account.

Disclosure verification of debt

on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..

Loan modification,collection,foreclosure

XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..

Attempts to collect debt not owed

I HAVE REQUESTED FROM COMPANY BY NAME OF ( PORTFOLIO RECOVERY ) TO REMOVE INACCURATE INFORMATION FROM MY CREDIT FILE. THIS COMPANY HAS FAILED TO PROVIDE ME WITH REQUESTED INFORMATION TO VALIDATE DEBT. I HAVE REQUESTED TO BE PROVIDED WITH A COPY OF THE ORIGINAL SIGNED CONTRACT AS WELL AS WHAT IDENTIFICATION WAS USED TO OPEN CLAIMED ACCOUNT. THIS COMPANY HAS NOT PROVIDED ME WITH ANYTHING TO VALIDATE DEBT. HOWEVER, CONTINUES TO REPORT INNACCURATE INFORMATION.

Unable to get credit report/credit score

On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.

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

I have notified Capital One Auto Finance that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.

Incorrect information on credit report

There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.

Unable to get credit report/credit score

I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.

Shopping for a loan or lease

closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.

Unable to get your credit report or credit score

Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.

Communication tactics

When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour

Managing the loan or lease

I opened an account with care credit. I did n't receive a statement until XXXX months later, so I did not even have an account number. They 've started calling me several times a day, morning and night. It is harassment and I would like to file a complaint. I have no way of getting the account number until they sent it to me but I did n't even have a chance to pay the bill before they started the harassment.

Incorrect information on credit report

Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card

Communication tactics

They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.

Attempts to collect debt not owed

I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid

Credit reporting company's investigation

Submitted a request for Transunion to verify and/or delete accounts, however I have yet to receive a response. 30 days have passed.

Application, originator, mortgage broker

Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.

Loan modification,collection,foreclosure

My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.

Incorrect information on credit report

XXXX alerted me to a change in my credit report. When looking into this, I noticed I had several hard inquires that were removed from my credit report get added back on.

Struggling to pay your bill

In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

Unable to get credit report/credit score

I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.

Incorrect information on credit report

I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX.

Cont'd attempts collect debt not owed

I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.

Incorrect information on credit report

I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank

Other features, terms, or problems

So I downgraded my card with the promise of the annual fee being reimbursed since I am in Massachusetts. I have yet to be reimbursed please look into XXXX

Improper use of your report

Equifax did not put the proper protocols in place and its database filled with sensitive information including consumers credit info was compromised by hackers.

Transaction issue

pay pal has put a charge back on my account and will not re move it even, when the card company paid the charge ( has been given conformation number several times ).

Incorrect information on credit report

THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

Attempts to collect debt not owed

XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.

Incorrect information on your report

I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.

Unable to get credit report/credit score

I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?

Communication tactics

SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS

Incorrect information on credit report

I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. After transfer, to date Nationstar claims more than {$110000.00} is due.

Getting the loan

On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.

Struggling to pay your loan

The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.

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

Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

Incorrect information on your report

In XXXX and XXXX my social security number was use to file income tax and I also have over XXXX inquiry on my credit report which causes my credit score to d rop drastically

Cont'd attempts collect debt not owed

there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number