determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Account opening, closing, or management	My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it. My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.
APR or interest rate	Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. Thank You
Improper use of your report	Regarding compliant # XXXX . XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed two debts from this company and left the other two. I dont know why all was not removed.
Incorrect information on your report	I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
Incorrect information on credit report	i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number
Managing the loan or lease	I had impeccable payment history for the fir st 2 years of the Lease. I bought a home and moved and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.
Incorrect information on your report	XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Improper use of your report	As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.
Loan servicing, payments, escrow account	I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
Cont'd attempts collect debt not owed	This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation
Disclosure verification of debt	This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.
Incorrect information on credit report	There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.
Deposits and withdrawals	XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.
Problem with a credit reporting company's investigation into an existing problem	transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.
Incorrect information on credit report	Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. See credit report agencies can added anything and do n't protect consumers.
Attempts to collect debt not owed	I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Incorrect information on your report	Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. Attach is a photo of office building
Can't repay my loan	I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.
Other fee	I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.
Improper use of your report	On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
Taking out the loan or lease	Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,
Incorrect information on credit report	I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... I have never had an XXXX account. It does not belong to me and needs to be removed.
Can't contact lender	keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.
Communication tactics	This caller has been asked to stop calling my place of employment. To cease and desist communication and they continue to call.
Incorrect information on your report	I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my Trans Union and XXXX credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Unauthorized transactions/trans. issues	On a recent trip I used my bluebird account to pay for the hotel. Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.
Incorrect information on credit report	This tax lien on my credit report was filed in error and the amount on the lien is also incorrect. Please ask Transunion to delete this lien from my credit reports ASAP.
Communication tactics	Caller calls atleast 30 to 50 times a day, repeatedly
Taking/threatening an illegal action	Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.
Problem caused by your funds being low	USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.
Cont'd attempts collect debt not owed	I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. I told them I have no information for them. I asked them not to call me. I keep getting calls on my cell phone while I am at work. I have no idea how they found my information because I am not a co-signer or co-debtor. I do not want them to call me again.
Incorrect information on your report	[Letter # 4] Experian plc XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *** {
Credit monitoring or identity theft protection services	Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.
Cont'd attempts collect debt not owed	I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.
Communication tactics	They call several times daily and late in the evenings
Problem with a credit reporting company's investigation into an existing problem	XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
Incorrect information on credit report	I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Incorrect information on credit report	I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a " Fraud Victim Extended Alert '' removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last X/X/2017 .
Dealing with your lender or servicer	I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX is shut down because of that reason.
Problems when you are unable to pay	Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason
Cont'd attempts collect debt not owed	I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.
Incorrect information on credit report	The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report
Cont'd attempts collect debt not owed	There is an account reporting on my credit report that does not belong to me. Resulted from identity theft. Police report filed with XXXX PD report id # XXXX
Cont'd attempts collect debt not owed	I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.
False statements or representation	XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.
Billing disputes	capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct
Fraud or scam	I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.
Managing the loan or lease	EX-HUSBAND REFUND XXXX PAY FOR CAR PAYMENT AND ANOTHER ON HIS TOP NAME .. and XXXX SO WHAT I DO WITH IT PLEASE LET ME KNOW PLEASE , WE ARE XXXX EX-HUSBAND HAVE XXXX JOB , I AM XXXX JOB I AM VERY SICK MYSELF AND SURGERYAS XXXX ANYWAY ..
Deposits and withdrawals	Paypal charged my bank account four times for the shipping payment of {$7.00}, resulting in {$140.00} in overdraft fees.
Improper contact or sharing of info	XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
Incorrect information on your report	This company is reporting a late payment in XXXX and that is incorrect.
Loan modification,collection,foreclosure	Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.
Took or threatened to take negative or legal action	0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.
Using a debit or ATM card	On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.
Incorrect information on credit report	Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Cont'd attempts collect debt not owed	Asset Acceptance , LLC has filed a lien for a debt amount that has been paid through payroll deductions.
Cont'd attempts collect debt not owed	I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.
Cont'd attempts collect debt not owed	I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.
Loan servicing, payments, escrow account	Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.
Incorrect information on credit report	Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.
Unable to get credit report/credit score	MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.
Incorrect information on your report	Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.
Charged fees or interest I didn't expect	Charged illegal interest rate of over 500 %.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.
Incorrect information on credit report	I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Incorrect information on credit report	The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.
Disclosure verification of debt	They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.
Other	Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.
Written notification about debt	XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.
Closing/Cancelling account	Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months
Cont'd attempts collect debt not owed	cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016
Closing your account	I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016, but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!
Disclosure verification of debt	I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.
Attempts to collect debt not owed	Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.
Problem with a credit reporting company's investigation into an existing problem	I recently reviewed my credit report and found a late payment. Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Cont'd attempts collect debt not owed	IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.
Problem with a credit reporting company's investigation into an existing problem	Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.
Late fee	i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what
Attempts to collect debt not owed	The Collection Service of Nevada is using the court system, XXXX XXXX XXXX XXXX XXXX XXXX and local law enforcement XXXX XXXX ( fi le XXXX ) to steal money from me. Please see attached documents - ( paycheck stubs, etc. ) In XXXX Garnishment {$1500.00} - Collection Service reports only {$1100.00} received and is now XXXX , XXXX trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!
Credit line increase/decrease	Home depot credit card lowered my credit limit due to inactivity.
Managing an account	Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX monthly fee. These fees go back to when I originally opened these accounts in 2011.
Incorrect information on your report	This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.
Incorrect information on credit report	EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.
Problem with fraud alerts or security freezes	Post the Equifax breach I tried on XX/XX/XXXX to reach out both online and phone to Equifax 3x for a freeze. Both systems booted me or did now work.
Incorrect information on your report	Accounts appears as potentially negative with a open date of 2006.
Managing an account	I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.
Incorrect information on your report	I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX multiple times with XXXX, XXXX and XXXX with no help. These are not my account. MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Application, originator, mortgage broker	Unfair loan process, poor communication, unprofessional company
Unable to get credit report/credit score	TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.
Communication tactics	they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. XXXX numbers ... same tactics. XXXX XXXX
Dealing with my lender or servicer	Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.
Account opening, closing, or management	Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.
Incorrect information on credit report	Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.
Improper use of your report	Hard credit inquiry without my permission This happened two times XXXX XXXX 2017 XXXX XXXX 2017 I did not authorize these two hard credit inquires against my credit.
Improper use of your report	I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.
Attempts to collect debt not owed	Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.
Cont'd attempts collect debt not owed	Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.
Improper use of your report	On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
Attempts to collect debt not owed	I have tried reaching out to this company regarding debt that they say I allegedly owe to Credit Collection Service several times via postal mail and have yet to receive a response. I would like this removed from all major credit bureaus immediately.

Account opening, closing, or management

My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it. My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.

APR or interest rate

Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. Thank You

Improper use of your report

Regarding compliant # XXXX . XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed two debts from this company and left the other two. I dont know why all was not removed.

Incorrect information on your report

I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Incorrect information on credit report

i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number

Managing the loan or lease

I had impeccable payment history for the fir st 2 years of the Lease. I bought a home and moved and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.

Incorrect information on your report

XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX

Improper use of your report

As far as I know, nothing happened. The same company is still asking for my personal information ( seriously? ) after its already been stolen from them. I need a resolution from all of this, not a stupid enrollment date. Tell me what you will do to correct the situation instead of apologizing.

Loan servicing, payments, escrow account

I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.

Cont'd attempts collect debt not owed

This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation

Disclosure verification of debt

This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.

Incorrect information on credit report

There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Deposits and withdrawals

XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.

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

transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.

Incorrect information on credit report

Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. See credit report agencies can added anything and do n't protect consumers.

Attempts to collect debt not owed

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Incorrect information on your report

Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. Attach is a photo of office building

Can't repay my loan

I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.

Other fee

I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.

Improper use of your report

On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.

Taking out the loan or lease

Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,

Incorrect information on credit report

I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... I have never had an XXXX account. It does not belong to me and needs to be removed.

Can't contact lender

keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.

Communication tactics

This caller has been asked to stop calling my place of employment. To cease and desist communication and they continue to call.

Incorrect information on your report

I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my Trans Union and XXXX credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX

Unauthorized transactions/trans. issues

On a recent trip I used my bluebird account to pay for the hotel. Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.

Incorrect information on credit report

This tax lien on my credit report was filed in error and the amount on the lien is also incorrect. Please ask Transunion to delete this lien from my credit reports ASAP.

Communication tactics

Caller calls atleast 30 to 50 times a day, repeatedly

Taking/threatening an illegal action

Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.

Problem caused by your funds being low

USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.

Cont'd attempts collect debt not owed

I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. I told them I have no information for them. I asked them not to call me. I keep getting calls on my cell phone while I am at work. I have no idea how they found my information because I am not a co-signer or co-debtor. I do not want them to call me again.

Incorrect information on your report

[Letter # 4] Experian plc XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *** {

Credit monitoring or identity theft protection services

Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.

Cont'd attempts collect debt not owed

I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Communication tactics

They call several times daily and late in the evenings

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

XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

Incorrect information on credit report

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Incorrect information on credit report

I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a " Fraud Victim Extended Alert '' removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last X/X/2017 .

Dealing with your lender or servicer

I have for many years tryed to find out about my loans and payments its been over 4 years since I have recieved any bills or even mail from them. I get things from the government but not from the lender. I was told that my credits would transfer if I went to a different college to find out that is false. Not one of my credits are eligible at any college. I would have never went to the private college XXXX. XXXX is shut down because of that reason.

Problems when you are unable to pay

Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason

Cont'd attempts collect debt not owed

I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.

Incorrect information on credit report

The information about a collection bill is not mine there is only XXXX and it dropped my credit drastically I have never received any info about this collection bill and about XXXX days ago it showed up on my report

Cont'd attempts collect debt not owed

There is an account reporting on my credit report that does not belong to me. Resulted from identity theft. Police report filed with XXXX PD report id # XXXX

Cont'd attempts collect debt not owed

I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.

False statements or representation

XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.

Billing disputes

capital one bank refues to activate XXXX insurance on accts ending with # XXXX # XXXX # XXXX # XXXX. they prefer to charge off the acct

Fraud or scam

I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.

Managing the loan or lease

EX-HUSBAND REFUND XXXX PAY FOR CAR PAYMENT AND ANOTHER ON HIS TOP NAME .. and XXXX SO WHAT I DO WITH IT PLEASE LET ME KNOW PLEASE , WE ARE XXXX EX-HUSBAND HAVE XXXX JOB , I AM XXXX JOB I AM VERY SICK MYSELF AND SURGERYAS XXXX ANYWAY ..

Deposits and withdrawals

Paypal charged my bank account four times for the shipping payment of {$7.00}, resulting in {$140.00} in overdraft fees.

Improper contact or sharing of info

XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.

Incorrect information on your report

This company is reporting a late payment in XXXX and that is incorrect.

Loan modification,collection,foreclosure

Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.

Took or threatened to take negative or legal action

0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.

Using a debit or ATM card

On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.

Incorrect information on credit report

Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents

Cont'd attempts collect debt not owed

Asset Acceptance , LLC has filed a lien for a debt amount that has been paid through payroll deductions.

Cont'd attempts collect debt not owed

I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.

Cont'd attempts collect debt not owed

I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.

Loan servicing, payments, escrow account

Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.

Incorrect information on credit report

Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.

Unable to get credit report/credit score

MY CREDIT SCORE DROP. AND I HAVE NOT APPLIED OR RECIEVED ANY NEW CREDIT CARD OR INQUIRES. SO HOW IS THIS POSSIBLE.

Incorrect information on your report

Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.

Charged fees or interest I didn't expect

Charged illegal interest rate of over 500 %.

Incorrect information on your report

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

Incorrect information on credit report

Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.

Incorrect information on credit report

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Incorrect information on credit report

The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.

Disclosure verification of debt

They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.

Other

Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.

Written notification about debt

XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.

Closing/Cancelling account

Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months

Cont'd attempts collect debt not owed

cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016

Closing your account

I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016, but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!

Disclosure verification of debt

I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.

Attempts to collect debt not owed

Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.

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

I recently reviewed my credit report and found a late payment. Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

Cont'd attempts collect debt not owed

IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.

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

Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

Late fee

i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what

Attempts to collect debt not owed

The Collection Service of Nevada is using the court system, XXXX XXXX XXXX XXXX XXXX XXXX and local law enforcement XXXX XXXX ( fi le XXXX ) to steal money from me. Please see attached documents - ( paycheck stubs, etc. ) In XXXX Garnishment {$1500.00} - Collection Service reports only {$1100.00} received and is now XXXX , XXXX trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!

Credit line increase/decrease

Home depot credit card lowered my credit limit due to inactivity.

Managing an account

Because I could not meet the minimum deposit amount I requested my accounts to be changed to simple accounts and pay a min of {$5.00} fixed maintenance fee instead of the {$14.00} or {$15.00} I was being charged. I just notice today that my checking got changed to a simple checking but not my savings account and I continue to get charged a $ XXXX monthly fee. These fees go back to when I originally opened these accounts in 2011.

Incorrect information on your report

This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.

Incorrect information on credit report

EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.

Problem with fraud alerts or security freezes

Post the Equifax breach I tried on XX/XX/XXXX to reach out both online and phone to Equifax 3x for a freeze. Both systems booted me or did now work.

Incorrect information on your report

Accounts appears as potentially negative with a open date of 2006.

Managing an account

I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.

Incorrect information on your report

I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX multiple times with XXXX, XXXX and XXXX with no help. These are not my account. MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Application, originator, mortgage broker

Unfair loan process, poor communication, unprofessional company

Unable to get credit report/credit score

TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.

Communication tactics

they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. XXXX numbers ... same tactics. XXXX XXXX

Dealing with my lender or servicer

Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.

Account opening, closing, or management

Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.

Incorrect information on credit report

Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.

Improper use of your report

Hard credit inquiry without my permission This happened two times XXXX XXXX 2017 XXXX XXXX 2017 I did not authorize these two hard credit inquires against my credit.

Improper use of your report

I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.

Attempts to collect debt not owed

Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.

Cont'd attempts collect debt not owed

Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.

Improper use of your report

On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor

Attempts to collect debt not owed

I have tried reaching out to this company regarding debt that they say I allegedly owe to Credit Collection Service several times via postal mail and have yet to receive a response. I would like this removed from all major credit bureaus immediately.