determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	I settled it do not know why I have remainG debt
Disclosure verification of debt	I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.
Account opening, closing, or management	Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.
Problem with a credit reporting company's investigation into an existing problem	WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.
Credit reporting company's investigation	I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.
Loan servicing, payments, escrow account	I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.
Disclosure verification of debt	Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor
Problem with a credit reporting company's investigation into an existing problem	I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.
Billing disputes	US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.
Managing an account	XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out
Problem with a credit reporting company's investigation into an existing problem	I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
Cont'd attempts collect debt not owed	This was paid last year in full.
Improper use of your report	This is in regards to the Equifax breach. I was informed I may have been effected by the breach.
Loan servicing, payments, escrow account	Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.
Written notification about debt	This is an original account from XXXX ending in XXXX . The debtor, XXXX XXXX , is in a XXXX XXXX XXXX receiving XXXX and thus is not able to make payments or pay the debt at all.
Incorrect information on your report	There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
Using a debit or ATM card	I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.
Managing the loan or lease	omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.
Attempts to collect debt not owed	This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They entered a claim with the credit bureau on XX/XX/XXXX in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.
Managing the loan or lease	I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.
Improper use of my credit report	We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Taking/threatening an illegal action	XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Improper use of your report	On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).
Dealing with my lender or servicer	I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.
Managing an account	I deposited {$94000.00} on XXXX at a branch in XXXX , PA. They put XXXX holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe. I am told today by XXXX that the funds have cleared the bank and they are not deposited into my account
Improper use of your report	I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Cont'd attempts collect debt not owed	I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.
Attempts to collect debt not owed	XXXX continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.
Taking/threatening an illegal action	XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.
Shopping for a loan or lease	Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.
Can't repay my loan	I 'm currently trying to pay back my student loan in the amount of {$35000.00}. Navient said according to their system once they plugged my numbers in of how much money I make and my bills, that I 'm able to afford a {$180.00} payment plan. I have n't been able to pay that monthly bill because I ca n't afford it, it 's too high for me at the moment, and I do n't understand how their system can tell me what I can or can not afford to pay.
Managing an account	Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.
Improper use of my credit report	I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.
Trouble during payment process	Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. This is a Wellsfargo account, and I have automatic payments. Please help with this concern. Thank you, XXXX XXXX
Loan servicing, payments, escrow account	To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? Regards, XXXX XXXX
Cont'd attempts collect debt not owed	Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed
Account opening, closing, or management	Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.
Incorrect information on credit report	Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts
Attempts to collect debt not owed	This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.
Incorrect information on your report	Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017
Taking out the loan or lease	I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.
Fraud or scam	Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!
Application, originator, mortgage broker	My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.
Late fee	Late fees and interest charged for an account that was paid on time.
Incorrect information on your report	Fraudulent reporting of information on my credit file.
Incorrect information on credit report	Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.
Attempts to collect debt not owed	No comment just let them this not belong to me i dont XXXX anything
Attempts to collect debt not owed	This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.
Disclosure verification of debt	They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!
Improper use of your report	I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Incorrect information on credit report	My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.
Problems caused by my funds being low	Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.
Improper use of your report	Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Identity theft / Fraud / Embezzlement	Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.
Written notification about debt	XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.
Communication tactics	They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.
Struggling to pay your loan	In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.
False statements or representation	We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.
Cont'd attempts collect debt not owed	Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.
Improper use of your report	To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Incorrect information on credit report	All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.
Incorrect information on credit report	I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Loan modification,collection,foreclosure	I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.
Communication tactics	XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.
Account opening, closing, or management	I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.
Problems at the end of the loan or lease	I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.
Communication tactics	Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!
Improper use of your report	My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.
Managing an account	I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into
Disclosure verification of debt	In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.
Attempts to collect debt not owed	XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX
Incorrect information on credit report	A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial
Disclosure verification of debt	I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd
Incorrect information on credit report	I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.
Fraud or scam	i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.
Other	I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.
Improper use of my credit report	I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct
Incorrect information on your report	I checked my credit report and noticed that I have one account in collections with S XXXX XXXX . I have no knowledge of ever obtaining this debt.
Loan servicing, payments, escrow account	My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.
Dealing with my lender or servicer	I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?
Cont'd attempts collect debt not owed	Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine
Managing an account	TD Bank is blocking me from enabling external application I 'm trying to connect ( my XXXX smartphone applicatio )
Improper use of your report	XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Communication tactics	I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.
Problem with a credit reporting company's investigation into an existing problem	A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.
Cont'd attempts collect debt not owed	I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.
Shopping for a loan or lease	I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.
Credit reporting company's investigation	I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action.
Incorrect information on credit report	I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX
Confusing or misleading advertising or marketing	Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.
APR or interest rate	The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.
Problem with fraud alerts or security freezes	Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.
Incorrect information on credit report	Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Dealing with my lender or servicer	I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence
False statements or representation	contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS
Incorrect information on your report	XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
Written notification about debt	I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.
Incorrect information on your report	IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Communication tactics	I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.

Cont'd attempts collect debt not owed

I settled it do not know why I have remainG debt

Disclosure verification of debt

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

Account opening, closing, or management

Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.

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

WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.

Credit reporting company's investigation

I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.

Loan servicing, payments, escrow account

I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.

Disclosure verification of debt

Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor

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

I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.

Billing disputes

US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.

Managing an account

XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out

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

I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

Cont'd attempts collect debt not owed

This was paid last year in full.

Improper use of your report

This is in regards to the Equifax breach. I was informed I may have been effected by the breach.

Loan servicing, payments, escrow account

Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.

Written notification about debt

This is an original account from XXXX ending in XXXX . The debtor, XXXX XXXX , is in a XXXX XXXX XXXX receiving XXXX and thus is not able to make payments or pay the debt at all.

Incorrect information on your report

There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

Using a debit or ATM card

I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.

Managing the loan or lease

omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.

Attempts to collect debt not owed

This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They entered a claim with the credit bureau on XX/XX/XXXX in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.

Managing the loan or lease

I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.

Improper use of my credit report

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.

Taking/threatening an illegal action

XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Improper use of your report

On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).

Dealing with my lender or servicer

I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.

Managing an account

I deposited {$94000.00} on XXXX at a branch in XXXX , PA. They put XXXX holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe. I am told today by XXXX that the funds have cleared the bank and they are not deposited into my account

Improper use of your report

I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

Cont'd attempts collect debt not owed

I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.

Attempts to collect debt not owed

XXXX continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.

Taking/threatening an illegal action

XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.

Shopping for a loan or lease

Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.

Can't repay my loan

I 'm currently trying to pay back my student loan in the amount of {$35000.00}. Navient said according to their system once they plugged my numbers in of how much money I make and my bills, that I 'm able to afford a {$180.00} payment plan. I have n't been able to pay that monthly bill because I ca n't afford it, it 's too high for me at the moment, and I do n't understand how their system can tell me what I can or can not afford to pay.

Managing an account

Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.

Improper use of my credit report

I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.

Trouble during payment process

Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. This is a Wellsfargo account, and I have automatic payments. Please help with this concern. Thank you, XXXX XXXX

Loan servicing, payments, escrow account

To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? Regards, XXXX XXXX

Cont'd attempts collect debt not owed

Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed

Account opening, closing, or management

Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.

Incorrect information on credit report

Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts

Attempts to collect debt not owed

This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.

Incorrect information on your report

Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017

Taking out the loan or lease

I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.

Fraud or scam

Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!

Application, originator, mortgage broker

My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.

Late fee

Late fees and interest charged for an account that was paid on time.

Incorrect information on your report

Fraudulent reporting of information on my credit file.

Incorrect information on credit report

Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.

Attempts to collect debt not owed

No comment just let them this not belong to me i dont XXXX anything

Attempts to collect debt not owed

This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Disclosure verification of debt

They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!

Improper use of your report

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

Incorrect information on credit report

My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.

Problems caused by my funds being low

Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.

Improper use of your report

Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.

Incorrect information on your report

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

Identity theft / Fraud / Embezzlement

Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.

Written notification about debt

XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.

Communication tactics

They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.

Struggling to pay your loan

In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.

False statements or representation

We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.

Cont'd attempts collect debt not owed

Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.

Improper use of your report

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

Incorrect information on credit report

All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.

Incorrect information on credit report

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Loan modification,collection,foreclosure

I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.

Communication tactics

XXXX from XXXX called saying I was going to be summoned on XXXX counts of fraud with check n go and has called family members who are not associated with payday loan.

Account opening, closing, or management

I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.

Problems at the end of the loan or lease

I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.

Communication tactics

Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!

Improper use of your report

My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.

Managing an account

I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into

Disclosure verification of debt

In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.

Attempts to collect debt not owed

XXXX/XXXX/XXXX. {$340.00} and i contacted the company on two occasions about the matter. my last contact was XXXX/XXXX/XXXX

Incorrect information on credit report

A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial

Disclosure verification of debt

I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd

Incorrect information on credit report

I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.

Fraud or scam

i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.

Other

I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.

Improper use of my credit report

I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct

Incorrect information on your report

I checked my credit report and noticed that I have one account in collections with S XXXX XXXX . I have no knowledge of ever obtaining this debt.

Loan servicing, payments, escrow account

My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.

Dealing with my lender or servicer

I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?

Cont'd attempts collect debt not owed

Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine

Managing an account

TD Bank is blocking me from enabling external application I 'm trying to connect ( my XXXX smartphone applicatio )

Improper use of your report

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Communication tactics

I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.

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

A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.

Cont'd attempts collect debt not owed

I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.

Shopping for a loan or lease

I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.

Credit reporting company's investigation

I submitted a dispute with Experian after seeing a XXXX on my XXXX XXXX personal loan account, after calling XXXX XXXX they reported a XXXX late occurred between XXXX and XXXX but could not provide specifics. when I contacted Experian to have this derogatory item removed they stated it was reported accurately with no proof of action.

Incorrect information on credit report

I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX

Confusing or misleading advertising or marketing

Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.

APR or interest rate

The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.

Problem with fraud alerts or security freezes

Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.

Incorrect information on credit report

Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Dealing with my lender or servicer

I have had my loans since 2004 and was told at the time that they should be paid off in 10 years and I still have more than {$5000.00} left on the loan that was only a little over {$10000.00} I attended XXXX XXXX which is no longer in existence

False statements or representation

contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS

Incorrect information on your report

XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX

Written notification about debt

I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.

Incorrect information on your report

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Communication tactics

I have asked repeadly for Portfolio Recovery to stop contacting me on my cell phone and at my work. I have written a letter as well for them to stop and they wont. I have vocally asked them to stop contacting me as well. Due to the statue of limitations, it is expired and the debt is not on my credit anymore.