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Customer service / Customer relations | A reward coupon from XXXX expired and American Express will not reissue it. |
Incorrect information on your report | I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, XXXX and Transunion to accurately reflect the account status o my Credit Reports!!!! |
Disclosure verification of debt | Received a notice for {$100.00} for a express lane violation ( never received the ticket ) when the ticket was for {$28.00} what was the other {$75.00} for? The letter does not say and because I was driving the car and it is registered in both my husband and my name the collection notice came in my husbands name, meaning they would not speak to me and explain the amount. Thought they were required to have that on the paper no hidden fees? |
Dealing with your lender or servicer | XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %.
I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is. |
Managing an account | Several times I. notified PNC bank that i dont want a debit overdraft coverage. and the bank used to charge me a debit overdraft fees, |
Identity theft / Fraud / Embezzlement | my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file. |
Incorrect information on your report | I have sent letters out multiple times and nothing has been done to address my issues.
I have not received any correspondence from the bureaus. |
Application, originator, mortgage broker | Property Tax on my Closing Disclosure and TILA vs actual Property Tax were grossly under valued by XXXX %. |
Application, originator, mortgage broker | I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do? |
Taking out the loan or lease | Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry. |
Billing disputes | I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this account. |
Cont'd attempts collect debt not owed | On XXXX XXXX 2016 I received a letter from Creditors Bureau Associates XXXX, Collection Division.I have attached all paperwork showing this bill was paid. |
Communication tactics | I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports. |
Advertising and marketing | XXXX XXXX at GRT Financial , Inc. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, http : //www.grtfinancial.com contacted me by phone and offered me a credit card modification debt reduction, but I gathered that GRT Financial is not licensed in Connecticut. |
Managing the loan or lease | I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned. |
Dealing with my lender or servicer | I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none. |
Problem with fraud alerts or security freezes | There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable. |
Deposits and withdrawals | I was charged an overdraft fee in the amount of XXXX from Google Wallet, they took XXXX dollars out of my account on XX/XX/XXXX. Please note, this transfer was canceled the day before on XX/XX/XXXX, I was assured funds would not be withdrawn. My bank, XXXX XXXX will not refund the fee as it is not their error. Please advise Google Wallet they need to refund the fee. My email address listed on my account is XXXXXXXXXXXX |
Communication tactics | I have repeatedly requested for them to stop contacting me at work. I have advised them that all communications with me should be via my personal phone number, email, or US mail. They have repeatedly disregarded my wishes and continued to call me at work ; including leaving messages on the general delivery voicemail and at my extension. |
Getting a credit card | Comenity Bank violated the FCRA by not telling me the credit reporting agency used to deny my credit application for a XXXX credit card. Instead I was given erroneous information about the denial. Comenity Bank admitted to the illegal practice in their response to a complaint that I previously filed with the CFPB. |
Credit reporting company's investigation | I did not get a response and it 's been months. I just want these hard injuries off of my credit because I did n't try to open the accounts they have listed. |
Disclosure verification of debt | EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record.
Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX. |
Improper use of your report | I have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires. |
Problem with a credit reporting company's investigation into an existing problem | I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state and county I live in. |
Taking/threatening an illegal action | A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments. |
Improper use of your report | Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting. |
Cont'd attempts collect debt not owed | This is a collection agency. My medical bill was already written off by XXXX XXXX and I am even on a Medical Financial Assistance from XXXX. However, the Collection is still insisting that I pay them the medical bills. |
Cont'd attempts collect debt not owed | I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure. |
Can't contact lender | My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped! |
Took or threatened to take negative or legal action | This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times. |
Improper use of your report | Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, MI XXXX b ) XXXX XXXX XXXX XXXX, TX XXXX c ) XXXX XXXX XXXX XXXX, TX XXXX d ) XXXX XXXX XXXX, OH XXXX e ) XXXX XXXX XXXX XXXX, TX XXXX |
Incorrect information on credit report | name is misspelled wrong last name Correct name XXXX XXXX not XXXX |
Loan servicing, payments, escrow account | Insurance Claim on Primary Residence. Mortgage Company mishandling my funds for repair of loss. |
Improper use of your report | TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion |
Incorrect information on credit report | Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney |
Problem with a credit reporting company's investigation into an existing problem | XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law |
Can't repay my loan | Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan. |
Can't repay my loan | I am filing a compliant in regard to the Lawsuit filed against Navient. I too was told to take a " forbearance '' on my Loans. My original Loan amounts totaled $ XXXX. Due to long term forbearance my current outstanding balance is {$170000.00}. This is outrageous and criminal. |
Incorrect information on credit report | Previously disputed bankruptcy being reported on credit bureau. Was advised the information would be deleted and after several months the information remains. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance.
XXXX XXXX XXXX XXXX XXXX California |
Charged fees or interest I didn't expect | Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized. |
Problems caused by my funds being low | I am filing a complaint on Citizens Bank for the fees and charges I incurred that were not made availablre when i signed up for account |
Incorrect information on your report | I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised. |
Cont'd attempts collect debt not owed | My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company.
I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003. |
Disclosure verification of debt | The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release. |
Incorrect information on credit report | use credit union has over 8 year old bill on equifax please remove |
Attempts to collect debt not owed | I do n't have any knowledge of this collection company or the debt that they are attempting to collect |
Incorrect information on your report | since XXXX XXXX false claiming of personel use |
Written notification about debt | I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments. |
Communication tactics | Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts. |
Trouble during payment process | I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds.
I am hiring a lawyer to help me with this process. |
Payoff process | Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances. |
Problem with a purchase shown on your statement | Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success |
Disclosure verification of debt | putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report. |
Fees or interest | Concerning XXXX CitiBank credit card. I paid the balance on my credit card account in full in XXXX XXXX. CitiBank proceeded to charge me {$0.00} minimum interest in XXXX, then charged fees every month thereafter without notification.
After contacting CitiBank to close the account, they refused. |
Problem with a credit reporting company's investigation into an existing problem | I have two collections on my Experian credit report that are erroneous. They are from : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX These are medical collections that are not valid. I don't even know what they are doing there. I have no clue what they even are. I want them removed immediately. |
Loan modification,collection,foreclosure | My sister was murdered on XX/XX/2015. I called PNC mortgage to file a claim on her mortgage insurance. They denied me that right stating they ca n't release privacy information to protect her identity. Since she 's dead there is no identity to protect. I informed them it was illegal to deny me the right to file a claim in a nutshell they said they did n't care. |
Problem when making payments | Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end. |
Loan modification,collection,foreclosure | Due to several complaints regarding Champion aka Nationstar mortagage, and XXXX i have received documents from both companies. After reviewing the documents there are excessive red flags from different interest rates, loan amounts, to fraudulent signatures with different dates. |
Problem with a credit reporting company's investigation into an existing problem | Equifax shows a collection on my report with no account number and no name.
this is not my account and I am unable to verify due to no inforamtion here is what report states : XXXX XX/XX/2017 {$1800.00} None provided |
Took or threatened to take negative or legal action | Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports. |
Incorrect information on credit report | The creditor has been making false negative reports for almost 12 years ... I have not done any business with that specific company since 2006, which is well past the 7 years for negative porting to be allowed. I have submitted several disputes via the Internet, mail, & phone with TransUnion to remove this item from my credit report as it creating a tremendously negative impact on my TransUnion report. |
Incorrect information on your report | This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report. |
Incorrect information on credit report | Experian is reporting information on my credit file that is clearly inaccurate and unverifiable and by law it has to be deleted.
I am asking you to adhered to the law and removing these negative account.
I have provided infallible proof. |
Incorrect information on credit report | They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all three credit agencies due to fraud as well as multiple incorrect entries. |
False statements or representation | Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff?
llc |
Can't contact lender | I have not applied or received any oaday loans but one is listed on credit report. Called the copany and confirmed not my accout but collection agency still has not removed from my credit |
False statements or representation | I received a mail from a debt collector called Windham Professional ( Phone Number XXXX ). The mail says I had an unpaid debt with another company called XXXX. Which I have never used. |
Problem with a credit reporting company's investigation into an existing problem | BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself. |
Disclosure verification of debt | Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report. |
Incorrect information on credit report | I have never had service from XXXX. I do not owe them anything because I did not have service. I also should not have a negative mark for XXXX. I have made three payments to them in attempt to settle the debt. Please dispute these XXXX items against me? Thank you. |
Communication tactics | I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop. |
Improper use of your report | Im asking Chase to stop making credit inquiries every month!!! |
Incorrect information on credit report | I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately. |
Incorrect information on your report | XX/XX/2017 I am being hit with a hard inquiry from XXXX.
This was fraud as I did not apply for one from them.
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so. |
Attempts to collect debt not owed | this company just put a deerrogatory on my credit report and this debt was paid directly to hospital over 9 months ago. i am enclosing a copy of the online receipt for this account. |
Trouble during payment process | I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as ofXX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXI am not sure how this happened, I believe that I had made my payments to you when I received my statements. How can you report me late so many times when I have records of paying? |
Managing the loan or lease | I pay my auto loan payments early each month and Chase Auto Finance is charging auto loan Interest from date of previous payment rather than Interest accrued during monthly biilling period. |
Managing the loan or lease | The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped. |
Improper use of your report | The Equifax Security Breach worries me. You mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim your website, and would like a resolution.
You did not notify anyone quickly enough and admit that you will not notify everyone. |
Incorrect information on credit report | There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected. |
Credit monitoring or identity protection | XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion. |
Problem with a credit reporting company's investigation into an existing problem | XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to them. |
Managing the loan or lease | Nissan Motor Acceptance Corporation continues to call my mother-in-law at XXXX. NMAC has been instructed according to PA Law not to call my wife or I at work, and provided our home phone number of XXXX as contact for the account. No other number is valid. The harassment of my mother-in-law must stop immediately. |
Communication tactics | Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX. |
Incorrect information on your report | I am writing to dispute XXXX on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account. |
Incorrect information on credit report | XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late. |
Improper use of your report | I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. |
Incorrect information on your report | I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done. |
Improper use of my credit report | I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX XXXX agreed to a settlement through their agent XXXX XXXX of CU Recovery on a collection account. I have paid as agreed upon but they continue to report a balance and have even flagged the account as a new XXXX, further damaging my credit and creating hardships for my family. |
Communication tactics | On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act. |
Communication tactics | I have never taken out a loan with this company an where did they get my information from an where did you send this money to |
Incorrect information on your report | There is an additional name on my report from Transunion that isn't me. |
Transaction issue | After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them. |
Problem when making payments | In XXXX 2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of XXXX . I have never been late in the 2 years I have had these accounts. |
Disclosure verification of debt | I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}. |
Improper use of your report | Equifax encountered a data security breach with millions of users personal information being leaked. These users ' social security numbers, names, address, and driver license numbers are now easily accessible by hackers. |
Account opening, closing, or management | I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled! |
Closing/Cancelling account | Ensure that closed account # XXXX is reported as closed to all credit bureaus. I am no longer a holder of this card/card closed. Account is still marked open on my credit reports. |