determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Dealing with my lender or servicer	I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.
Credit reporting company's investigation	I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.
Other service problem	Company wont let me link bank to other sources, to obtain money.
Charged fees or interest you didn't expect	Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with it
Incorrect information on credit report	I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.
Loan servicing, payments, escrow account	Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.
Attempts to collect debt not owed	This is not my debt to pay I was never in the hospital
Communication tactics	Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.
Incorrect information on your report	I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Lost or stolen money order	Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.
Customer service / Customer relations	I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.
Disclosure verification of debt	I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.
False statements or representation	Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.
Incorrect information on credit report	Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially
Unauthorized transactions/trans. issues	AMERICAN EXPRESS SERVE DID NOT PAY MY VENTOR AND IS HOLDING MY MONEY. I HAVE CALLED THE CORPORATE OFFICE AND STILL NOT GETTTING ASSISTANCE
Attempts to collect debt not owed	Central credit services licence expired and they should not be trying to collect a debt from me
Fraud or scam	PayPal closed my account without my knowledge and are not releasing my funds for two months.
Incorrect information on your report	On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Problem with a credit reporting company's investigation into an existing problem	Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on XXXX XXXX comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with XXXX and transunion for 6 months.
Dealing with my lender or servicer	XXXX College XXXX campus XXXX XXXX XXXX XXXX. XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.
Dealing with my lender or servicer	Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.
Unable to get credit report/credit score	well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank
Improper use of your report	XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Written notification about debt	I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Improper contact or sharing of info	I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.
Incorrect information on credit report	XXXX and XXXX were deleted and then reinserted back on my credit report.
Attempts to collect debt not owed	Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.
Improper use of your report	CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.
Incorrect information on credit report	My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.
Incorrect information on your report	error different names on credit report items not mine cra violation no knowledge po report # XXXX XXXX sent hpd
False statements or representation	We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.
Attempts to collect debt not owed	Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.
Cont'd attempts collect debt not owed	This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.
False statements or representation	Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.
Managing the loan or lease	The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.
Cont'd attempts collect debt not owed	Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,
Charged fees or interest you didn't expect	Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.
Incorrect information on your report	I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Loan servicing, payments, escrow account	Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. I read in your website it should be automatically drop when it is 78 % loan to value. I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX
Dealing with my lender or servicer	I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX
Unable to get credit report/credit score	I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.
Other transaction issues	Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait.
Incorrect information on credit report	Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Incorrect information on credit report	name on my transunion reports, reports a name of mine as XXXX XXXX, have no such name
Incorrect information on your report	Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.
Improper use of your report	On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.
Improper use of your report	I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.
Taking/threatening an illegal action	XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
Loan servicing, payments, escrow account	My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.
Struggling to pay mortgage	An underwriter review for modification has been going on since XXXX o f 2017. We are now looking at two months without a decision.
Cont'd attempts collect debt not owed	I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.
Incorrect information on your report	hippa violation sent police report taking more than 30 dats
Struggling to pay mortgage	Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says Loan no . XXXX XXXX XXXX borrower XXXX XXXX XXXX XXXX , mi XXXX . dated XX/XX/XXXX & XX/XX/XXXX ID # XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of XXXX To ; chase manhattan mortgage corporation attn : financial process dept. XXXX XXXX XXXX XXXX . XXXX XXXX . Ca XXXX Please explain to th e CFBP.
Cont'd attempts collect debt not owed	National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
Improper use of your report	Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is XXXX XXXX , XXXX XXXX and today XXXX XXXX XXXX reported for the incorrect date of removal XXXX XXXX XXXX Date : XXXX unspecified Reason : This inquiry is scheduled to continue on record in XXXX XXXX . That inaccurate it should be XXXX . They refuse to remove. Please Help Thank you
Communication tactics	Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.
False statements or representation	This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount
Incorrect information on credit report	An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.
Disclosure verification of debt	I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.
Disclosure verification of debt	I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls
Problem with a credit reporting company's investigation into an existing problem	Company 's never fixed the report.
Took or threatened to take negative or legal action	A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX
Incorrect information on credit report	They will not respond to any of my disputes. XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.
Improper use of my credit report	Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.
Loan servicing, payments, escrow account	I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.
Cont'd attempts collect debt not owed	Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
Improper use of your report	Numerous inquiries.. not mine
Trouble during payment process	I am having two issues with this company. One is that I accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.
False statements or representation	California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.
Billing disputes	i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail
Attempts to collect debt not owed	The company convergent is trying to collect debt from me when I all ready paid the account off.
Attempts to collect debt not owed	Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later
Settlement process and costs	Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney. I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job
Written notification about debt	XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.
Incorrect information on credit report	All the information in attached file, shown " Unknown ''. Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.
Incorrect information on your report	I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Incorrect information on your report	nothing they said they only report to the one reporting place, I need XXXX XXXX to show on all my accounts, it does on one but not all the others , please
Account opening, closing, or management	I have disputed with several of the financial institutions due to stolen identity and now these things are still reporting which is causing me to not be able to get an account to assist with my start over process after a bankruptcy.
Cont'd attempts collect debt not owed	Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them.
Customer service / Customer relations	XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.
Incorrect information on your report	I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.
False statements or representation	this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD
Communication tactics	The complain XXXX has been closed out and they continue to call. Their comments admit an address change was done wrong and their fault and will Be removing late charge, so stop calling. I finally got a bill today and mailed my check.
Managing the loan or lease	I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.
Communication tactics	They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.
Improper contact or sharing of info	Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.
Loan servicing, payments, escrow account	Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.
Cont'd attempts collect debt not owed	they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts
Can't repay my loan	Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.
Problem with a credit reporting company's investigation into an existing problem	My credit was pulled without my consent
Incorrect information on credit report	I have been a victim of identity theft and I have been trying to dispute innacurate items on my credit report.
Loan servicing, payments, escrow account	my mortgage company charge me late fee for the last nine months even if i only miss one payment and unable to refund the fee and continue to charge me a monthly late fee.
Application, originator, mortgage broker	The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!
Improper use of your report	Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Incorrect information on credit report	Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.
Problem with fraud alerts or security freezes	My Loans was paid off and I received a letter show paid in full. Then it was referred over to Navient stating that I still owe on the loan. Each time I call they tell me they are freezing the account for investigation and all they do is add more interest and extend the years on the loan, not investigating. One lie after another with these people.
Other	I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.
Billing disputes	Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!
Incorrect information on credit report	Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it on my credit report.

Dealing with my lender or servicer

I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.

Credit reporting company's investigation

I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.

Other service problem

Company wont let me link bank to other sources, to obtain money.

Charged fees or interest you didn't expect

Was told my payments would be XXXX but the withdrawal was XXXX, and if i had known i was being lied to i wouldnt have went through with it

Incorrect information on credit report

I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.

Loan servicing, payments, escrow account

Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.

Attempts to collect debt not owed

This is not my debt to pay I was never in the hospital

Communication tactics

Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.

Incorrect information on your report

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

Lost or stolen money order

Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.

Customer service / Customer relations

I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.

Disclosure verification of debt

I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.

False statements or representation

Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.

Incorrect information on credit report

Transunion and XXXXhave n't updated myincome for years I receive100 % VA, XXXX pay, and social security. It 's killingme financially

Unauthorized transactions/trans. issues

AMERICAN EXPRESS SERVE DID NOT PAY MY VENTOR AND IS HOLDING MY MONEY. I HAVE CALLED THE CORPORATE OFFICE AND STILL NOT GETTTING ASSISTANCE

Attempts to collect debt not owed

Central credit services licence expired and they should not be trying to collect a debt from me

Fraud or scam

PayPal closed my account without my knowledge and are not releasing my funds for two months.

Incorrect information on your report

On XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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

Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on XXXX XXXX comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with XXXX and transunion for 6 months.

Dealing with my lender or servicer

XXXX College XXXX campus XXXX XXXX XXXX XXXX. XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.

Dealing with my lender or servicer

Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.

Unable to get credit report/credit score

well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank

Improper use of your report

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Written notification about debt

I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.

Incorrect information on your report

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

Improper contact or sharing of info

I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.

Incorrect information on credit report

XXXX and XXXX were deleted and then reinserted back on my credit report.

Attempts to collect debt not owed

Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.

Improper use of your report

CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.

Incorrect information on credit report

My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.

Incorrect information on your report

error different names on credit report items not mine cra violation no knowledge po report # XXXX XXXX sent hpd

False statements or representation

We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.

Attempts to collect debt not owed

Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.

Cont'd attempts collect debt not owed

This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.

False statements or representation

Several calls from XXXX threading to serve me with take me to court over a 10 year old debt. They have been calling & harassing my children as well. When they said they have a legal document, I asked who the attorney of record was, they hung up on me.

Managing the loan or lease

The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.

Cont'd attempts collect debt not owed

Not 100 % sure if they are a legit Collection agency, but harassed me on the phone about paying back a cash advance that I owed in 2010, which I never took out,

Charged fees or interest you didn't expect

Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.

Incorrect information on your report

I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

Loan servicing, payments, escrow account

Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. I read in your website it should be automatically drop when it is 78 % loan to value. I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX

Dealing with my lender or servicer

I was a student of XXXX college in XX/XX/XXXX-XX/XX/XXXX and I was told that I had to take out a private loan to pay a part of my educate expenses and as told to use Genesis I had been making payments Genesis then I was told that my loans balance was switched to another company. Can I still get a credit from XXXX or the new company XXXX

Unable to get credit report/credit score

I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Other transaction issues

Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait.

Incorrect information on credit report

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

Incorrect information on credit report

name on my transunion reports, reports a name of mine as XXXX XXXX, have no such name

Incorrect information on your report

Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.

Improper use of your report

On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.

Improper use of your report

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.

Taking/threatening an illegal action

XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM

Loan servicing, payments, escrow account

My Mortgage has recently been taken over by Ocwen Loan Services Company and I have been getting letters of extortion from them requiring me to purchase additional insurance for my town home, of which I do not purchase from my past lender. I have not been able to get any evidence from Ocwen, in my original contract agreement that requires/enable such " new '' additional insurance other than the insurance that I 've always had with past 2 lenders.

Struggling to pay mortgage

An underwriter review for modification has been going on since XXXX o f 2017. We are now looking at two months without a decision.

Cont'd attempts collect debt not owed

I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.

Incorrect information on your report

hippa violation sent police report taking more than 30 dats

Struggling to pay mortgage

Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says Loan no . XXXX XXXX XXXX borrower XXXX XXXX XXXX XXXX , mi XXXX . dated XX/XX/XXXX & XX/XX/XXXX ID # XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of XXXX To ; chase manhattan mortgage corporation attn : financial process dept. XXXX XXXX XXXX XXXX . XXXX XXXX . Ca XXXX Please explain to th e CFBP.

Cont'd attempts collect debt not owed

National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.

Improper use of your report

Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is XXXX XXXX , XXXX XXXX and today XXXX XXXX XXXX reported for the incorrect date of removal XXXX XXXX XXXX Date : XXXX unspecified Reason : This inquiry is scheduled to continue on record in XXXX XXXX . That inaccurate it should be XXXX . They refuse to remove. Please Help Thank you

Communication tactics

Consolidated the payday loan from Americash with XXXX XXXX XXXX. Americash repeatedly calls me regarding this loan. XXXX XXXX XXXX has power of attorney and they sent a cease and desist letter not to contact me at my place of business and today, XXXX XXXX, they called both my cell phone and my business phone.

False statements or representation

This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount

Incorrect information on credit report

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.

Disclosure verification of debt

I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.

Disclosure verification of debt

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bill only harassment phone calls

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

Company 's never fixed the report.

Took or threatened to take negative or legal action

A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX

Incorrect information on credit report

They will not respond to any of my disputes. XXXX XXXX Bank for {$370.00} is showing as an open collection. This was a credit card that was closed / charged off, as well as previously deleted. Therefore, they ca n't still collect it or show it as open.

Improper use of my credit report

Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.

Loan servicing, payments, escrow account

I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.

Cont'd attempts collect debt not owed

Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.

Improper use of your report

Numerous inquiries.. not mine

Trouble during payment process

I am having two issues with this company. One is that I accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.

False statements or representation

California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.

Billing disputes

i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail

Attempts to collect debt not owed

The company convergent is trying to collect debt from me when I all ready paid the account off.

Attempts to collect debt not owed

Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later

Settlement process and costs

Cfpb case number XXXX follow up Closed loan XXXX/XXXX/17 recision date XXXX/XXXX/17 As of today have not received funds from State Farm closing attorney. I had to call and follow up to, get them to send funds, not sure why I 'm doing statemfarms job

Written notification about debt

XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.

Incorrect information on credit report

All the information in attached file, shown " Unknown ''. Creditor : Unknown Type : Collection Balance {$290.00} Payments : N/A, none or Not available If that collection is mine, I need to information to pay it.

Incorrect information on your report

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Incorrect information on your report

nothing they said they only report to the one reporting place, I need XXXX XXXX to show on all my accounts, it does on one but not all the others , please

Account opening, closing, or management

I have disputed with several of the financial institutions due to stolen identity and now these things are still reporting which is causing me to not be able to get an account to assist with my start over process after a bankruptcy.

Cont'd attempts collect debt not owed

Van Ru Credit Corp is continuing drastic collection tactics to collect for a debt I do not owe. I receive Social Security and they are threatening me. I need protection from them.

Customer service / Customer relations

XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.

Incorrect information on your report

I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.

False statements or representation

this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD

Communication tactics

The complain XXXX has been closed out and they continue to call. Their comments admit an address change was done wrong and their fault and will Be removing late charge, so stop calling. I finally got a bill today and mailed my check.

Managing the loan or lease

I wanted clarification on the OH installment loan laws. I recently got a {$400.00} loan but am having to pay back a total of {$2800.00} ( which includes a {$2400.00} finance charge ). Is this even legal in Ohio? I wanted to double check before I start paying almost {$3000.00} on a {$400.00} loan. Please help.

Communication tactics

They call 4-5 times a day everyday for a payment that is not even 30 days late and continue to call even after the payment is in process online. They are very insitant that you make the payment while on the phone with them immediately and continue to call even if you give them a date you can make the payment again not even 30 days late.

Improper contact or sharing of info

Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.

Loan servicing, payments, escrow account

Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.

Cont'd attempts collect debt not owed

they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts

Can't repay my loan

Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.

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

My credit was pulled without my consent

Incorrect information on credit report

I have been a victim of identity theft and I have been trying to dispute innacurate items on my credit report.

Loan servicing, payments, escrow account

my mortgage company charge me late fee for the last nine months even if i only miss one payment and unable to refund the fee and continue to charge me a monthly late fee.

Application, originator, mortgage broker

The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!

Improper use of your report

Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Incorrect information on credit report

Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that do not belong to me.

Problem with fraud alerts or security freezes

My Loans was paid off and I received a letter show paid in full. Then it was referred over to Navient stating that I still owe on the loan. Each time I call they tell me they are freezing the account for investigation and all they do is add more interest and extend the years on the loan, not investigating. One lie after another with these people.

Other

I submitted a claim with discover price protection and they denied my claim based off a service provider and not the actual product claim ( # XXXX ). I was told I would be able to be approved for the claim. I purchased the same exact XXXX XXXX XXXX.

Billing disputes

Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!

Incorrect information on credit report

Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it on my credit report.