determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	I have made numerous attempts requesting the validation of the debt. I have requested in writing ( since XX/XX/XXXX ) to the collection agency and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.
Credit reporting company's investigation	I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX
Improper use of your report	There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.
Other	I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.
Cont'd attempts collect debt not owed	cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
Managing the loan or lease	The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.
Cont'd attempts collect debt not owed	Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.
Communication tactics	Collector keeps calling my sister in law requesting for payment. I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
Dealing with my lender or servicer	I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.
Incorrect information on credit report	I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.
Other transaction issues	purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay
Loan servicing, payments, escrow account	They hold checks for 2-8 weeks before depositing and clearing my bank
Dealing with your lender or servicer	Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.
Other features, terms, or problems	Hi, i applied for a Delta Gold Business credit card from Amex with a sign-up bonus of XXXX Delta miles subject to meeting of minimum spending requirement within the time allowed. I met all the requirements in XXXX, 2017 to get sign-up bonus but i have not received sign-up bonus. I called Amex multiple times and they have been saying that they opened a case to investigate it but i don't see any resolution from them.
Improper contact or sharing of info	I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.
Other features, terms, or problems	I have received letters from Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.
Improper use of your report	Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.
Cont'd attempts collect debt not owed	XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. Date opened XX/XX/XXXX
Improper use of your report	Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.
Unable to get credit report/credit score	I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.
Attempts to collect debt not owed	They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.
Getting a credit card	My wallet was stolen and someone used my information to open an account fraudulently
Cont'd attempts collect debt not owed	I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.
Incorrect information on credit report	I tried to dispute these items thru Equifax but Equifax would n't allow me too.
Managing the loan or lease	I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.
Problems caused by my funds being low	on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}
Incorrect information on your report	Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Cont'd attempts collect debt not owed	I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
Written notification about debt	Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.
Incorrect information on credit report	I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.
Problem with a credit reporting company's investigation into an existing problem	Unauthorized inquires are on my report from XXXX XXXX XXXX XXXX for the dates of XX/XX/XXXX and XX/XX/XXXX . I have reported this to XXXX XXXX directly numerous times by phone and mail. I have also disputed the items with all XXXX credit bureaus. These items were not authorized by me and should NOT be reported.
Incorrect information on your report	Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.
Credit line increase/decrease	I contacted XXXX around XX/XX/2017 concerning my spending ability increase. XXXX XXXX stated that my spending ability is set to {$5000.00}. I just checked my account today and that not the case.
Credit card protection / Debt protection	US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.
Managing the loan or lease	My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.
False statements or representation	I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.
Attempts to collect debt not owed	The call is recorded and gives account #. I've returned the call and it is for someone unknown. I've requested my number to be removed and they continue to call every other day.
Dealing with my lender or servicer	Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.
Communication tactics	They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.
Managing an account	XXXX XXXX had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.
Attempts to collect debt not owed	I had service with XXXX 's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled
Incorrect information on credit report	My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.
Cont'd attempts collect debt not owed	I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Incorrect information on your report	XXXX Date Credit Inquiry Equifax XXXX/XXXX/XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Equifax Equifax XXXX/XXXX/XXXX XXXX XXXX
Written notification about debt	Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
Incorrect information on your report	I have made several attempts recently on XXXX XXXX 2017 , the student loan was transferred and its being paid with XXXX and it appears in my credit XXXX with a default loan which hurts my credit.
Communication tactics	Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.
Cont'd attempts collect debt not owed	I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.
Loan servicing, payments, escrow account	My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.
Struggling to repay your loan	I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. They are not reliable or trustworthy
Taking/threatening an illegal action	I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.
Trouble during payment process	We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.
Problem with a credit reporting company's investigation into an existing problem	Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They refused to assist me with the removal of these inquieries.
Attempts to collect debt not owed	Identity theft victim
Loan modification,collection,foreclosure	We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.
Unable to get credit report/credit score	Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. This is simply an attempt to avoid providing a free annual report.
Loan servicing, payments, escrow account	My mortgage was serviced through XXXX XXXX and sold to NationStar. I have never missed a payment with XXXX but from the beginning, I was told that I was behind in payments from NationStar.
Cont'd attempts collect debt not owed	Voicemails on my cell phone stating that there have been serious allegations against my personal information. That myself or my attorney need to contact them and make a statement today.
Communication tactics	I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.
Fees or interest	Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo
Account opening, closing, or management	I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score
Deposits and withdrawals	Unauthorized money transaction, by means of direct deposit, by the company XXXX. The company direct deposited illicit monies. Bank to Bank.
Threatened to contact someone or share information improperly	Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?
Incorrect information on credit report	Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.
Incorrect information on credit report	Incorrect info regarding collection agencies and auto driving.
Attempts to collect debt not owed	I have con tacted JH Portfolio Debt Equities LLC by mail, letter sent XXXX / XXXX / 17 , and they received it on XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.
Incorrect information on credit report	This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.
Charged fees or interest I didn't expect	94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}
Incorrect information on your report	I sent out a letter to each credit bureau on XXXX / XXXX / 2017 requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a 3rd party company and I am unaware as to where this bankruptcy information is being reported from.
Other transaction problem	Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. I've tried contacting them by calling, email, XXXX and XXXX. This needs to be a class action suit!
Charged fees or interest you didn't expect	they lied to me about the {$900.00} loan and was trying to charge me over {$1000.00} for a {$900.00} loan
Problem with a credit reporting company's investigation into an existing problem	TransUnion and XXXX are incorrectly reporting a State Tax Lien.
Unexpected or other fees	In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.
Taking out the loan or lease	On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.
Billing disputes	I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.
Credit decision / Underwriting	Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.
Incorrect information on credit report	I have disputed information concerning XXXX on my credit report to XXXX, Transunion and XXXX. I received an response from XXXX through this agency case # { XXXX } whom responded that this collection would be removed from my report. I want the XXXX credit bureaus to remove this information immediately.
Opening an account	This happened on today, XXXX XXXX 2017 at about XXXX est. I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.
Cont'd attempts collect debt not owed	this account is pulling my credit score by being on my credit. please remove this account from my credit file.
Disclosure verification of debt	Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt.
Account opening, closing, or management	Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.
Dealing with your lender or servicer	I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.
Unable to get credit report/credit score	I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
Loan modification,collection,foreclosure	Our home had a foundation problem that was very bad. Had to send papers to mortgage company where we had a special engineer come in an give us cost home much it was going to cost to fix foundation. Was going to cost us XXXX dollars to fix..was working with mortgsge company ona deed in leiu. But never heard anything back. All i got was my wages garnished..
Improper use of your report	On XXXX XXXX ,2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX Had an inquiry on my credit report that I did not authorize or approve of.
Advertising and marketing	I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. Fraudulent marketing specifically to mislead consumers.
Credit reporting company's investigation	I placed a fraud alert on all XXXX credit reporting agencies due to the number of inquires seen on my credit reports. they sent me an email saying they had investigated and all inquires were correct, per the companies that posted the hard inquires, but they did not have adequate verification with my signature. i would like the hard inquires removed from my credit reports immediately, as they can not verify they were approved by me.
Problem with a purchase shown on your statement	Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost XXXX .
Improper use of your report	Fix my crsdit
Incorrect information on credit report	I have informed you that the XXXX account that is reporting as a collection on my credit file do not belong to me. This account is a result of identity theft. Please remove from my credit file, immediately. Please find police report attached.
Credit reporting company's investigation	On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Communication tactics	Personnel from Warner Asset Location Services called me multiple times per day while at work but would not disclose the reason for their call. I do not have any business with any company by that name. I believe they are a successor in interest to a payday loan company, XXXX. I have make arrangements with XXXX to pay this debt and others. Personnel from XXXX also called my employer and relatives frequently.
Cont'd attempts collect debt not owed	On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
Cont'd attempts collect debt not owed	I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
Cont'd attempts collect debt not owed	Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info
Disclosure verification of debt	The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.
Managing the loan or lease	My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.
Incorrect information on credit report	I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Cont'd attempts collect debt not owed	they say my federal student loan defaulted, so XXXX XXXX, a state agency, paid a default claim, title, and interest. I have not received any notices before, nor do I recognize this loan. All my students loans are under defferement with XXXX. As a result of this, any state tax refunds, rebates, contract wages or other amounts owed may be retained in full.

Disclosure verification of debt

I have made numerous attempts requesting the validation of the debt. I have requested in writing ( since XX/XX/XXXX ) to the collection agency and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

Credit reporting company's investigation

I disputed the below accounts with Equifax on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX

Improper use of your report

There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.

Other

I bought furniture at XXXX furniture that was delivered XXXX 2016 and was given 12 months zero interest. When I received the statement this month it has interest charges on it six months early.. I have my receipt showing that I was given 12 months zero interest.

Cont'd attempts collect debt not owed

cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy

Managing the loan or lease

The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.

Cont'd attempts collect debt not owed

Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.

Communication tactics

Collector keeps calling my sister in law requesting for payment. I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

Dealing with my lender or servicer

I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.

Incorrect information on credit report

I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.

Other transaction issues

purchased a phone unlocking service on ebay paid using my paypal balance seller did not render service. asked on mail to pay more money without getting ebay involved i refused to pay and ask for refund refused refund too. complained to paypal refused to resolve issue ..lost money no help from paypal or ebay

Loan servicing, payments, escrow account

They hold checks for 2-8 weeks before depositing and clearing my bank

Dealing with your lender or servicer

Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.

Other features, terms, or problems

Hi, i applied for a Delta Gold Business credit card from Amex with a sign-up bonus of XXXX Delta miles subject to meeting of minimum spending requirement within the time allowed. I met all the requirements in XXXX, 2017 to get sign-up bonus but i have not received sign-up bonus. I called Amex multiple times and they have been saying that they opened a case to investigate it but i don't see any resolution from them.

Improper contact or sharing of info

I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.

Other features, terms, or problems

I have received letters from Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.

Improper use of your report

Equifax security breach, potentially compromised information verified by Equifax website. Went through XXXX to add a fraud alert to my account to all credit unions.

Cont'd attempts collect debt not owed

XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. Date opened XX/XX/XXXX

Improper use of your report

Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

Unable to get credit report/credit score

I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

Attempts to collect debt not owed

They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.

Getting a credit card

My wallet was stolen and someone used my information to open an account fraudulently

Cont'd attempts collect debt not owed

I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.

Incorrect information on credit report

I tried to dispute these items thru Equifax but Equifax would n't allow me too.

Managing the loan or lease

I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.

Problems caused by my funds being low

on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}

Incorrect information on your report

Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

Cont'd attempts collect debt not owed

I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.

Written notification about debt

Quality Asset Recovery ... # XXXX hasn't sent any correspondence in regards to this debt or responded to letters i've sent. Quality Asset Recovery isn't bonded to collect debt in Georgia.

Incorrect information on credit report

I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.

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

Unauthorized inquires are on my report from XXXX XXXX XXXX XXXX for the dates of XX/XX/XXXX and XX/XX/XXXX . I have reported this to XXXX XXXX directly numerous times by phone and mail. I have also disputed the items with all XXXX credit bureaus. These items were not authorized by me and should NOT be reported.

Incorrect information on your report

Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.

Credit line increase/decrease

I contacted XXXX around XX/XX/2017 concerning my spending ability increase. XXXX XXXX stated that my spending ability is set to {$5000.00}. I just checked my account today and that not the case.

Credit card protection / Debt protection

US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.

Managing the loan or lease

My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.

False statements or representation

I owed Trident Asset Management for 2 Accounts : 1. Amount of {$160.00} paid 2. Amount of {$130.00} paid The delinquency is still on my credit report.

Attempts to collect debt not owed

The call is recorded and gives account #. I've returned the call and it is for someone unknown. I've requested my number to be removed and they continue to call every other day.

Dealing with my lender or servicer

Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.

Communication tactics

They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.

Managing an account

XXXX XXXX had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.

Attempts to collect debt not owed

I had service with XXXX 's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled

Incorrect information on credit report

My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.

Cont'd attempts collect debt not owed

I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Incorrect information on your report

XXXX Date Credit Inquiry Equifax XXXX/XXXX/XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX XXXX XXXX XXXX Equifax XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Equifax Equifax XXXX/XXXX/XXXX XXXX XXXX

Written notification about debt

Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Incorrect information on your report

I have made several attempts recently on XXXX XXXX 2017 , the student loan was transferred and its being paid with XXXX and it appears in my credit XXXX with a default loan which hurts my credit.

Communication tactics

Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.

Cont'd attempts collect debt not owed

I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Loan servicing, payments, escrow account

My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.

Struggling to repay your loan

I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. They are not reliable or trustworthy

Taking/threatening an illegal action

I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.

Trouble during payment process

We have mortgage with the M & T Bank for our property located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We paid {$150.00} more with our XX/XX/XXXX mortgage payment for the shortage in the Escrow account. My wife called M & T Bank and asked them to deposit this additional amount of {$150.00} to the Escrow account. But they did not deposit this amount in the Escrow account.

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

Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They refused to assist me with the removal of these inquieries.

Attempts to collect debt not owed

Identity theft victim

Loan modification,collection,foreclosure

We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.

Unable to get credit report/credit score

Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. This is simply an attempt to avoid providing a free annual report.

Loan servicing, payments, escrow account

My mortgage was serviced through XXXX XXXX and sold to NationStar. I have never missed a payment with XXXX but from the beginning, I was told that I was behind in payments from NationStar.

Cont'd attempts collect debt not owed

Voicemails on my cell phone stating that there have been serious allegations against my personal information. That myself or my attorney need to contact them and make a statement today.

Communication tactics

I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.

Fees or interest

Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo

Account opening, closing, or management

I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting my credit score

Deposits and withdrawals

Unauthorized money transaction, by means of direct deposit, by the company XXXX. The company direct deposited illicit monies. Bank to Bank.

Threatened to contact someone or share information improperly

Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?

Incorrect information on credit report

Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.

Incorrect information on credit report

Incorrect info regarding collection agencies and auto driving.

Attempts to collect debt not owed

I have con tacted JH Portfolio Debt Equities LLC by mail, letter sent XXXX / XXXX / 17 , and they received it on XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.

Incorrect information on credit report

This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.

Charged fees or interest I didn't expect

94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}

Incorrect information on your report

I sent out a letter to each credit bureau on XXXX / XXXX / 2017 requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a 3rd party company and I am unaware as to where this bankruptcy information is being reported from.