determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.
Managing an account	My bank First Midwest takes too long to update my transactions.
Incorrect information on credit report	Statement of credit denial, termination, or change excessive obligation in relation to income
Struggling to repay your loan	I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. Thank you for your prompt attention to my request. XXXX XXXX XXXXXXXXXXXX XXXX
Improper use of your report	Equifax had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.
Application, originator, mortgage broker	CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
Communication tactics	I do not know who they are or what they are looking for out of me they are based out of XXXX Texas
Can't contact lender	I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.
Incorrect information on credit report	Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this company.
Late fee	I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.
Attempts to collect debt not owed	I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified
Problems when you are unable to pay	American Honda Finance reports false information on my credit reports. They show multiple repossessions for an account not associated with me.
Improper use of your report	I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!
Cont'd attempts collect debt not owed	Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??
Communication tactics	A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents. <P/> They use threatening language and say I owe them money when I do not. <P/> XXXX XXXX XXXXXXXX
Problem with a credit reporting company's investigation into an existing problem	On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.
Closing your account	The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.
Disclosure verification of debt	Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..
Improper use of your report	Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too
Identity theft / Fraud / Embezzlement	I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!
Fraud or scam	I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well
Cont'd attempts collect debt not owed	this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
Improper contact or sharing of info	They contacted a family member in regards to a outstanding bill to a number not associated on the account.
Loan modification,collection,foreclosure	Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX.
Improper contact or sharing of info	Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.
Attempts to collect debt not owed	XXXX dollars reported owed to company
Communication tactics	They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company
Dealing with your lender or servicer	I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? XXXX XXXX XXXX
Incorrect information on credit report	This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.
Other	I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.
Fraud or scam	Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.
Problems when you are unable to pay	I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.
Loan servicing, payments, escrow account	Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.
Other	I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. Please help!
Incorrect information on your report	I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.
Struggling to repay your loan	Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.
Problem with a credit reporting company's investigation into an existing problem	all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports
Taking out the loan or lease	Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.
False statements or representation	I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.
Struggling to pay your loan	this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.
Problem with fraud alerts or security freezes	I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. I need to freeze our credit reports.
Problem with a credit reporting company's investigation into an existing problem	On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.
Improper use of my credit report	With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.
Improper use of your report	This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.
Communication tactics	XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.
Loan servicing, payments, escrow account	Bank Of America has had me paying a loan that was Discharged in 2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired about the payoff amount. I asked Bank Of America to report my payoff to the credit bureaus. XXXX and XXXX both sent me paperwork proving the loan was discharged.
Improper use of your report	I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Written notification about debt	This account was placed on my credit report without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute.
Unable to get your credit report or credit score	I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.
Fees or interest	This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it
Credit reporting company's investigation	Equifax did not provide me with documents that collection account belongs to me.
Loan servicing, payments, escrow account	I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).
Cont'd attempts collect debt not owed	I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
Unauthorized transactions/trans. issues	Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.
Communication tactics	Harassing phone calls
Incorrect information on your report	Multiple incorrect addresses on my report. Four addresses related to Post Office Boxes that have never belonged to me. Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!
Cont'd attempts collect debt not owed	syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account
False statements or representation	in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Cont'd attempts collect debt not owed	I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.
Incorrect information on credit report	It shows i have not paid the bill but i have
Incorrect information on credit report	Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.
Improper use of your report	On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
False statements or representation	I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.
Disclosure verification of debt	A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.
Communication tactics	This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.
Problem caused by your funds being low	Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.
Deposits and withdrawals	us direct express allowed a international hacker to take {$100.00} of my debt card for a fake computer virus protection that I did not approve to take off my debt card I had them investigate they said they would n't give my money back
Cont'd attempts collect debt not owed	this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
Improper use of your report	There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.
Incorrect information on credit report	XXXX XXXX XXXX : Account was Paid in full and it was agreed to be deleted from the credit bureau upon full payment. It is still appearing on the credit and with a balance. Please correct.
Dealing with my lender or servicer	Every month UAS charges me {$15.00} because they take too long to process my payment that I make from XXXX Online Bill Pay.
Account opening, closing, or management	Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!
Cont'd attempts collect debt not owed	I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.
Managing, opening, or closing your mobile wallet account	XXXX suspended my account and froze my money without giving me any explanation. What can I do to restore trading functionality and get my funds back? XXXX case ID is XXXX
Disclosure verification of debt	I had request a verification of the debt and the creditor has not done so.
Attempts to collect debt not owed	I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.
Dealing with my lender or servicer	I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.
Can't repay my loan	I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!
Incorrect information on your report	EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION
Improper use of your report	( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. I called them and they keep saying they did n't but it 's clear they did because its on my report.
Incorrect information on credit report	I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Incorrect information on credit report	An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report.
Problem with fraud alerts or security freezes	After I called, everyday its a new inquiry on my account.
Settlement process and costs	I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.
Incorrect information on your report	THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH. XXXX BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
Communication tactics	Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified
Dealing with my lender or servicer	I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.
Loan servicing, payments, escrow account	SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months.
Incorrect information on your report	I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.
False statements or representation	IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.
Improper contact or sharing of info	I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.
Credit line increase/decrease	Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!
Incorrect information on your report	THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.
Communication tactics	The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.
Credit reporting company's investigation	I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.
Problem with a credit reporting company's investigation into an existing problem	I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.
Communication tactics	I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.
Attempts to collect debt not owed	Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX
Dealing with my lender or servicer	Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.
Cont'd attempts collect debt not owed	This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.

Incorrect information on credit report

The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.

Managing an account

My bank First Midwest takes too long to update my transactions.

Incorrect information on credit report

Statement of credit denial, termination, or change excessive obligation in relation to income

Struggling to repay your loan

I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. Thank you for your prompt attention to my request. XXXX XXXX XXXXXXXXXXXX XXXX

Improper use of your report

Equifax had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.

Application, originator, mortgage broker

CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Communication tactics

I do not know who they are or what they are looking for out of me they are based out of XXXX Texas

Can't contact lender

I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.

Incorrect information on credit report

Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this company.

Late fee

I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.

Attempts to collect debt not owed

I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified

Problems when you are unable to pay

American Honda Finance reports false information on my credit reports. They show multiple repossessions for an account not associated with me.

Improper use of your report

I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!

Cont'd attempts collect debt not owed

Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??

Communication tactics

A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents. <P/> They use threatening language and say I owe them money when I do not. <P/> XXXX XXXX XXXXXXXX

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

On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.

Closing your account

The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.

Disclosure verification of debt

Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..

Improper use of your report

Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too

Identity theft / Fraud / Embezzlement

I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!

Fraud or scam

I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well

Cont'd attempts collect debt not owed

this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Improper contact or sharing of info

They contacted a family member in regards to a outstanding bill to a number not associated on the account.

Loan modification,collection,foreclosure

Bank of America scammed and stalled and deliberately caused unnecessary harm. Please see attached Lawsuit against B of A and XXXX.

Improper contact or sharing of info

Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.

Attempts to collect debt not owed

XXXX dollars reported owed to company

Communication tactics

They call me XXXX times a day with different numbers I google the number and called back they pressured me asking for my name and last XXXX of my ss number and saying if this was me. Then they say I owed xxxxx and asking for my bank account numbers there are many scam with this company

Dealing with your lender or servicer

I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? XXXX XXXX XXXX

Incorrect information on credit report

This reporting credit agency is falsifying information pertaining to Federal Tax Lien on my credit report causing unrealistic mail by other accounting agencies, and lawyers concerning themselves with tax lien on file with the IRS which is not true at all according to documents enclosed. I spoke to an agent from the credit report agency regarding this matter nothing was resolved as a result I did not pursue the dispute with Equifax.

Other

I have a Wells Fargo Bank Credit card and have been in Active Duty XXXX since XXXX XXXX, 2015. I told WFB this, but was told it did n't matter, that they would only be able to " waive '' XXXX interest charge. So far, since XXXX of 2015, they have, and are attempting to collect interest in the amount of over {$300.00} ( at 18 % ) and fees also over {$300.00}. I was told that WFB can not " go back '' as far as XXXX 2015 to resolve this.

Fraud or scam

Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.

Problems when you are unable to pay

I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.

Loan servicing, payments, escrow account

Called Mortgage company several times to have my PMI removed. As of yet nobody has been able to help me but to tell me that its not to be removed till i only have % 20 of loan left to pay off there showing XXXX. I took my mortgage out in XXXX my house value was XXXX and i balance on my loan is XXXX according to my math i had reached my 78 % at which point legally should have come off.

Other

I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. Please help!

Incorrect information on your report

I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.

Struggling to repay your loan

Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.

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

all 3 bureaus have not investigated XXXX XXXX XXXX on credit reports

Taking out the loan or lease

Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.

False statements or representation

I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.

Struggling to pay your loan

this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.

Problem with fraud alerts or security freezes

I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. I need to freeze our credit reports.

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

On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.

Improper use of my credit report

With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.

Improper use of your report

This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.

Communication tactics

XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.

Loan servicing, payments, escrow account

Bank Of America has had me paying a loan that was Discharged in 2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired about the payoff amount. I asked Bank Of America to report my payoff to the credit bureaus. XXXX and XXXX both sent me paperwork proving the loan was discharged.

Improper use of your report

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Written notification about debt

This account was placed on my credit report without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute.

Unable to get your credit report or credit score

I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.

Fees or interest

This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it

Credit reporting company's investigation

Equifax did not provide me with documents that collection account belongs to me.

Loan servicing, payments, escrow account

I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).

Cont'd attempts collect debt not owed

I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.

Unauthorized transactions/trans. issues

Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.

Communication tactics

Harassing phone calls

Incorrect information on your report

Multiple incorrect addresses on my report. Four addresses related to Post Office Boxes that have never belonged to me. Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!

Cont'd attempts collect debt not owed

syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account

False statements or representation

in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Cont'd attempts collect debt not owed

I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.

Incorrect information on credit report

It shows i have not paid the bill but i have

Incorrect information on credit report

Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.

Improper use of your report

On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

False statements or representation

I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.

Disclosure verification of debt

A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.

Communication tactics

This Company continues to call and harass me after repeatedly asking them not to call me while I 'm at work. They continue to call and hang up when I ask them to stop calling.

Problem caused by your funds being low

Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.

Deposits and withdrawals

us direct express allowed a international hacker to take {$100.00} of my debt card for a fake computer virus protection that I did not approve to take off my debt card I had them investigate they said they would n't give my money back

Cont'd attempts collect debt not owed

this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Improper use of your report

There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.

Incorrect information on credit report

XXXX XXXX XXXX : Account was Paid in full and it was agreed to be deleted from the credit bureau upon full payment. It is still appearing on the credit and with a balance. Please correct.

Dealing with my lender or servicer

Every month UAS charges me {$15.00} because they take too long to process my payment that I make from XXXX Online Bill Pay.

Account opening, closing, or management

Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!

Cont'd attempts collect debt not owed

I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.

Managing, opening, or closing your mobile wallet account

XXXX suspended my account and froze my money without giving me any explanation. What can I do to restore trading functionality and get my funds back? XXXX case ID is XXXX

Disclosure verification of debt

I had request a verification of the debt and the creditor has not done so.

Attempts to collect debt not owed

I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.

Dealing with my lender or servicer

I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.

Can't repay my loan

I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!

Incorrect information on your report

EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION

Improper use of your report

( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. I called them and they keep saying they did n't but it 's clear they did because its on my report.

Incorrect information on credit report

I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Incorrect information on credit report

An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report.

Problem with fraud alerts or security freezes

After I called, everyday its a new inquiry on my account.

Settlement process and costs

I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.

Incorrect information on your report

THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH. XXXX BANK HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

Communication tactics

Account was deleted and then Midland Credit re-inserted and changed the date of last activity to re-age the account. I was never notified

Dealing with my lender or servicer

I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.

Loan servicing, payments, escrow account

SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months.

Incorrect information on your report

I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.

False statements or representation

IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.

Improper contact or sharing of info

I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.

Credit line increase/decrease

Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!

Incorrect information on your report

THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.

Communication tactics

The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.

Credit reporting company's investigation

I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''.

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

I sent a letter to Equifax on XX/XX/2017 disputing negative items reporting against my credit profile and Equifax has failed to respond to my dispute letter. I received responses from both XXXX and XXXX but Equifax did n't reply within 30 days or even reply at all and nothing has been removed as a result of my request.

Communication tactics

I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.

Attempts to collect debt not owed

Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX

Dealing with my lender or servicer

Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.

Cont'd attempts collect debt not owed

This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.