determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
False statements or representation	We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.
Application, originator, mortgage broker	I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.
Incorrect information on your report	Not my account. I need to see the original documentation.
Closing an account	I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.
Problem with a credit reporting company's investigation into an existing problem	TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Loan modification,collection,foreclosure	After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.
Incorrect information on credit report	agency is accepting false negative information to put in my credit file.
Loan servicing, payments, escrow account	We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection
Incorrect information on your report	1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.
Improper use of my credit report	TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
Improper contact or sharing of info	I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.
False statements or representation	I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.
Incorrect information on credit report	EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Incorrect information on credit report	Equifax is giving me a wrong name, stating that I 'm also know as XXXX
Loan servicing, payments, escrow account	We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to XXXX
Communication tactics	global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Other	Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.
Dealing with my lender or servicer	XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.
Incorrect information on your report	I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.
Took or threatened to take negative or legal action	XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.
Incorrect information on your report	Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately
Fraud or scam	I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.
Shopping for a loan or lease	At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization
Managing the loan or lease	For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.
Took or threatened to take negative or legal action	Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.
Improper use of your report	I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Cont'd attempts collect debt not owed	I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score
Incorrect information on credit report	On XXXX XXXX, 2015, a collector by the name of XXXX placed an adverse account on my Equifax credit report that I do not recognize. Since this account does not belong to me, I would like it deleted.
Taking out the loan or lease	Pulled credit report without permission
Problem with a credit reporting company's investigation into an existing problem	XX/XX/XXXX I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation. XXXX XX/XX/XXXX I sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.
Account opening, closing, or management	Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.
Loan servicing, payments, escrow account	NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.
Cont'd attempts collect debt not owed	A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.
Disclosure verification of debt	I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state
Cont'd attempts collect debt not owed	Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.
Other	I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.
Communication tactics	Debt collector refusing to send validation of debt. Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.
Incorrect information on credit report	I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.
Unable to get your credit report or credit score	I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.
Incorrect information on your report	This Account Is Be Deleted It Has Been Resold
Written notification about debt	Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.
Attempts to collect debt not owed	I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.
Problem with fraud alerts or security freezes	I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.
Attempts to collect debt not owed	I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.
Incorrect information on credit report	Actually I have a car payment account.but, It dos n't reported my payment history.
Account opening, closing, or management	Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.
Shopping for a loan or lease	I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Improper use of your report	X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Account opening, closing, or management	Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.
Communication tactics	Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. the problem is we have not received our escrow balance.
Incorrect information on credit report	There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one
Taking out the loan or lease	Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015
Incorrect information on credit report	Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Dealing with my lender or servicer	I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.
Took or threatened to take negative or legal action	I became aware of a collection on my credit profile from Professional Debt Mediation. I 've attempted to have them delete this negative information from my credit files with all credit reporting agencies as I have NEVER had an account with this company. I have received phone calls and was mailed a bill that was not on a letter head from this company but from someone else. I do not owe this company any debt.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on credit report	A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. T his debt is past the statue of limitations and over XXXX XXXX XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.
Incorrect information on your report	XXXX XXXX services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation. it has been over 6months since the last filed complaint that was never cleared.
Charged fees or interest I didn't expect	Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. How can I get out this company. Please help me.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA
Communication tactics	I have consolidated my date and this creditor constantly calls my cell phone and work. I have asked repeatedly for him to stop calling.
Incorrect information on credit report	This item is past the statue of limitation and should not be listed on my credit file.
False statements or representation	The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.
Incorrect information on your report	FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Improper contact or sharing of info	debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX
Unable to get credit report/credit score	I have been waiting since XXXX XXXX for my annual credit report from Equifax. Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. Four months is long enough to wait for my credit report from Equifax. There is no person customer service telephone number for Equifax.
Incorrect information on credit report	I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Improper use of your report	I am a victim of identity theft. I have included documentation. The inquiries from this company were not authorized.
Incorrect information on your report	this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late
Application, originator, mortgage broker	Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX is attempting to collect a medical debt for XXXX XXXX XXXX XXXX in XXXX nj from ov er 3years ago. all XXXX credit bureaus have failed to invesitgate nor reply with a outcome!
Incorrect information on credit report	I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Communication tactics	I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.
Unable to get your credit report or credit score	cra violation no score reported inaccurate information please fix this issue asap
Credit reporting company's investigation	REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Incorrect information on credit report	My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.
Written notification about debt	XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.
Written notification about debt	I have received notification that there 's a late payment on my credit report and I have paid on time every time.
Improper use of your report	Disgusting misuse of personal information including XXXX, driver 's license, addresses.
Incorrect information on credit report	Experian is listing an account that is past the 7 year reporting period. This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.
Incorrect information on your report	XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Problem with a credit reporting company's investigation into an existing problem	XXXX will not actually investigate the validity of an account that I have disputed from XXXX XXXX XXXX
Communication tactics	They keep calling me and leaving threatening voicemails.
Improper use of your report	My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.
Improper use of your report	I did not solicit this company for any product or service.
Problem with a purchase shown on your statement	XXXX / XXXX / 2017 Capital One C redit Card charged on my account twice with the amount of {$120.00}.
Improper contact or sharing of info	This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Communication tactics	calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day
Incorrect information on your report	I had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Charged fees or interest you didn't expect	i borrwed XXXX dollars and paying XXXX each payday ever y two weeks and the amount i pay didnt credit my account. They are charging me over XXXX dollars in interst for a XXXX dollar payday loan. I cant afford.
Incorrect information on your report	XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.
Cont'd attempts collect debt not owed	This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter
Improper use of my credit report	Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.
Communication tactics	Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.
Cont'd attempts collect debt not owed	I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
Incorrect information on your report	XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Loan modification,collection,foreclosure	I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.
Incorrect information on credit report	I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.

False statements or representation

We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Application, originator, mortgage broker

I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.

Incorrect information on your report

Not my account. I need to see the original documentation.

Closing an account

I am trying to close account XXXX. However, I live in Colorado and they are requiring me to visit a branch to close the account. I find it unreasonable to go to the nearest branch which is no where close to where i live to close my account. I tried calling their customer service and they told me to go to a branch. If huntington pays for my transportation and lodging I will visit a branch to close my account. Other than that I want them to close my saving account.

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

TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

Loan modification,collection,foreclosure

After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.

Incorrect information on credit report

agency is accepting false negative information to put in my credit file.

Loan servicing, payments, escrow account

We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection

Incorrect information on your report

1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND US BANK FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached letter.

Improper use of my credit report

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

Improper contact or sharing of info

I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.

False statements or representation

I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.

Incorrect information on credit report

EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Incorrect information on credit report

Equifax is giving me a wrong name, stating that I 'm also know as XXXX

Loan servicing, payments, escrow account

We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to XXXX

Communication tactics

global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud

Other

Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.

Dealing with my lender or servicer

XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.

Incorrect information on your report

I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.

Took or threatened to take negative or legal action

XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.

Incorrect information on your report

Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately

Fraud or scam

I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.

Shopping for a loan or lease

At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization

Managing the loan or lease

For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.

Took or threatened to take negative or legal action

Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.

Improper use of your report

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX

Cont'd attempts collect debt not owed

I ask XXXX so many time to remove this account out my name because it was not me open it. And they deny since 2008 I have this account drag XXXX down my credit score

Incorrect information on credit report

On XXXX XXXX, 2015, a collector by the name of XXXX placed an adverse account on my Equifax credit report that I do not recognize. Since this account does not belong to me, I would like it deleted.

Taking out the loan or lease

Pulled credit report without permission

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

XX/XX/XXXX I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation. XXXX XX/XX/XXXX I sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.

Account opening, closing, or management

Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.

Loan servicing, payments, escrow account

NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.

Cont'd attempts collect debt not owed

A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.

Disclosure verification of debt

I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state

Cont'd attempts collect debt not owed

Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.

Other

I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Communication tactics

Debt collector refusing to send validation of debt. Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.

Incorrect information on credit report

I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.

Unable to get your credit report or credit score

I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.

Incorrect information on your report

This Account Is Be Deleted It Has Been Resold

Written notification about debt

Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.

Attempts to collect debt not owed

I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.

Problem with fraud alerts or security freezes

I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.

Attempts to collect debt not owed

I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.

Incorrect information on credit report

Actually I have a car payment account.but, It dos n't reported my payment history.

Account opening, closing, or management

Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.

Shopping for a loan or lease

I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Improper use of your report

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

Account opening, closing, or management

Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.

Communication tactics

Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. the problem is we have not received our escrow balance.

Incorrect information on credit report

There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one

Taking out the loan or lease

Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015

Incorrect information on credit report

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.

Dealing with my lender or servicer

I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.

Took or threatened to take negative or legal action

I became aware of a collection on my credit profile from Professional Debt Mediation. I 've attempted to have them delete this negative information from my credit files with all credit reporting agencies as I have NEVER had an account with this company. I have received phone calls and was mailed a bill that was not on a letter head from this company but from someone else. I do not owe this company any debt.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Incorrect information on credit report

A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. T his debt is past the statue of limitations and over XXXX XXXX XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.

Incorrect information on your report

XXXX XXXX services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation. it has been over 6months since the last filed complaint that was never cleared.

Charged fees or interest I didn't expect

Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. How can I get out this company. Please help me.

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

Communication tactics

I have consolidated my date and this creditor constantly calls my cell phone and work. I have asked repeatedly for him to stop calling.

Incorrect information on credit report

This item is past the statue of limitation and should not be listed on my credit file.

False statements or representation

The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.

Incorrect information on your report

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX

Improper contact or sharing of info

debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX

Unable to get credit report/credit score

I have been waiting since XXXX XXXX for my annual credit report from Equifax. Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. Four months is long enough to wait for my credit report from Equifax. There is no person customer service telephone number for Equifax.

Incorrect information on credit report

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Improper use of your report

I am a victim of identity theft. I have included documentation. The inquiries from this company were not authorized.

Incorrect information on your report

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late

Application, originator, mortgage broker

Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''

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

XXXX XXXX XXXX is attempting to collect a medical debt for XXXX XXXX XXXX XXXX in XXXX nj from ov er 3years ago. all XXXX credit bureaus have failed to invesitgate nor reply with a outcome!

Incorrect information on credit report

I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016

Communication tactics

I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.

Unable to get your credit report or credit score

cra violation no score reported inaccurate information please fix this issue asap

Credit reporting company's investigation

REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Incorrect information on credit report

My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.

Written notification about debt

XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.

Written notification about debt

I have received notification that there 's a late payment on my credit report and I have paid on time every time.

Improper use of your report

Disgusting misuse of personal information including XXXX, driver 's license, addresses.

Incorrect information on credit report

Experian is listing an account that is past the 7 year reporting period. This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.

Incorrect information on your report

XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

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

XXXX will not actually investigate the validity of an account that I have disputed from XXXX XXXX XXXX

Communication tactics

They keep calling me and leaving threatening voicemails.

Improper use of your report

My personal social security and identification information was shared by Experian through the XXXX data breach. According to my credit reports, there is fraudulent activity that I did not authorize in a state I do not live in. The fraudulent activity took place during the summer of XXXX in line with the dates of the data breach.

Improper use of your report

I did not solicit this company for any product or service.

Problem with a purchase shown on your statement

XXXX / XXXX / 2017 Capital One C redit Card charged on my account twice with the amount of {$120.00}.

Improper contact or sharing of info

This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

Incorrect information on your report

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

Communication tactics

calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day

Incorrect information on your report

I had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap

Incorrect information on your report

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

Charged fees or interest you didn't expect

i borrwed XXXX dollars and paying XXXX each payday ever y two weeks and the amount i pay didnt credit my account. They are charging me over XXXX dollars in interst for a XXXX dollar payday loan. I cant afford.

Incorrect information on your report

XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

Cont'd attempts collect debt not owed

This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter

Improper use of my credit report

Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.

Communication tactics

Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.

Cont'd attempts collect debt not owed

I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.

Incorrect information on your report

XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.

Loan modification,collection,foreclosure

I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.

Incorrect information on credit report

I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.