Issue
stringlengths 4
80
| Consumer Complaint
stringlengths 5
494
|
|---|---|
Cont'd attempts collect debt not owed | Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did. |
Problem with fraud alerts or security freezes | On XXXX XXXX, 2017 Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. |
Cont'd attempts collect debt not owed | This account has been paid. I contacted the original creditor and verified a zero balance. |
Dealing with my lender or servicer | I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX |
Incorrect information on credit report | Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you |
Loan modification,collection,foreclosure | I have a option arm Jumbo that was sold to XXXX, then to XXXX XXXX XXXX an finally to Nationstar. XXXX said that I qualified for the XXXX settlement agreement to Modification and then sold the servicing to Nationstar who said that they did not inter into the XXXX settlement. Nationstar will not modify my loan for any reason and would rather short sale the property for half the amount that I am trying to modify. |
Other fee | We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now " interest free. '' |
Communication tactics | XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business.
No other information. I looked number up and says is a debt collector |
Cont'd attempts collect debt not owed | I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything. |
Cont'd attempts collect debt not owed | Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received. |
Incorrect information on credit report | Equifax is reporting an incorrect social security number on my credit report SSS : XXXX |
Incorrect information on credit report | The XXXX XXXX XXXX listed on my XXXX has been closed for 7 years as of XX/XX/2015 and was wondering why its still on my report? Thanks |
Incorrect information on credit report | Equifax is showing negative information that is over 7 years old on my credit report for XXXX accounts.
1 ) XXXX loan # XXXX shows late payments starting XX/XX/2010 that are over 7 years old. All negative notations should be removed.
2 ) XXXX loan # XXXX shows under " Type '' 90 Day Late Payment. This is over 7 years old and detail has already been removed. The entire account should be deleted. |
Problem with a credit reporting company's investigation into an existing problem | I disputed item to be removed being XXXX removed item from my report as a result of their investigation. |
Incorrect information on your report | Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company. |
Improper use of your report | XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating. |
Improper use of your report | Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX |
Settlement process and costs | I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory. |
Deposits and withdrawals | I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent?
Thanks |
Problems when you are unable to pay | I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}. |
Cont'd attempts collect debt not owed | I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report. |
Incorrect information on credit report | I sent a direct dispute to XXXX about the account they have on my credit file. They sent a letter back stating the account would be deleted from my file within 30 days. However, TransUnion still has the account listed on my report. Which is hurting my credit score. |
Struggling to repay your loan | Reported : XXXX/XXXX/XXXX XXXX : {$2300.00} |
Written notification about debt | Hello I sent out 609 letters to c.f. ERC sent me a copy of Bills none with my signature sent a bill that Dates XXXX tho XXXX XXXX sent about 3 bills with different amounts. I do not have a account with ERC they did not send me letter 5 day before placing me in collections and looks like they started my bill over I do n't have XXXX since XXXX I would like this deleted off my credit report asap. |
Incorrect information on credit report | The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified. |
Incorrect information on your report | I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute. |
Problem with a credit reporting company's investigation into an existing problem | I filed for Chapter XXXX bankruptcy on XXXX/XXXX/2014. Ocwen has been reporting on my supplemental credit I have called over 30 times to get it resolved. I ; ve been given multiple answers to my question. I need help resolving this issue |
Unable to get credit report/credit score | i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my account |
Cont'd attempts collect debt not owed | I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file. |
Can't repay my loan | Did n't have lower payment options |
Improper use of your report | I have sent letters to all XXXX credit bureaus in XXXX asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you |
Threatened to contact someone or share information improperly | I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit |
Other fee | Credit card was assessed undue fees and did not make any calls/contact to alert me that a balance was pending on my account. |
Incorrect information on credit report | On XXXX XXXX, all of my inquiries were deleted. I logged in today and they were back and I did not receive any notice. |
Deposits and withdrawals | I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX |
Unable to get credit report/credit score | I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes. |
Cont'd attempts collect debt not owed | I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report. |
Incorrect information on credit report | The reporting agency ( XXXX XXXX XXXX XXXX ) has reported that I owe them {$110.00}. I have never enrolled at any XXXX XXXX College nor do I have any children enrolled. |
Problem caused by your funds being low | My balance is now accurate in my XXXX XXXX app-please update |
False statements or representation | Collection reporting as closed versus being deleted completely from credit report as guaranteed after being paid in full! |
Incorrect information on your report | wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified .... |
Account opening, closing, or management | Since XX/XX/XXXX, I Have Been Banking At This Bank And Have Turn Down for A {$3000.00} Loan. Today XXXX XX/XX/XXXX, I Went To Check On The Fees That They Take Out Every Month At {$12.00} Which Came Out To Be {$260.00}. - {$18.00} They Only Gave Me Back. Now When The Bank Changed Every Thing And Gave Up With This Account It Was Said That If I Use My Card XXXX Times A Month NO FEES Would Come Out Of My Account. But That Was Not True.WELLS FARGO BANK |
Other service problem | I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far.
Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy. |
Account opening, closing, or management | PNC reneged on {$400.00} promotional offer. The account was closed. After the account was closed PNC continued billing the account for charges and services. |
Incorrect information on credit report | XXXX has filed a " Collections Account '' on my credit report for {$78.00} for XXXX XXXX communications company. I am unaware of what this account is, and the last time I had dealings with XXXX XXXX was over XXXX years ago. I have received no contact from this company and my understand is this would be outside the statute of limitations and they should not be reporting this on my credit. |
Attempts to collect debt not owed | Resurgent Capital Services collected a debt that has been disputed SEVERAL times with CFPB ; see account # XXXX.
Resurgent Capital Services filed a claim in or around XX/XX/XXXX in amount {$8200.00} in United States Bankruptcy county under XXXX. A Proof of Claim Objection was file with honorable judge XXXX XXXX and hearing date was set for XX/XX/XXXX, however on XX/XX/XXXX Resurgent Capital Services submitted a WITHDRAWAL OF CLAIM. |
Incorrect information on your report | credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail. |
Incorrect information on credit report | I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied. |
Dealing with my lender or servicer | Daily compounded interest is killing me! My payments are always on time and I pay more than the required amount. If I pay early XXXX month and then on time the next, the # of days x interest will not let me get ahead. This is terrible! |
Cont'd attempts collect debt not owed | Debt was paid in full as agreed directly to the creditor. Settled and closed. I am no longer liable and the file should not reflect negatively on my report. |
Loan servicing, payments, escrow account | We have been the victim of countless acts of crime from numerous sources within a corrupt and non compliant industry. Attached is a settlement offer to end the dispute. |
Incorrect information on credit report | XXXX XXXX XXXX has lots of information omitted.
Account Owner : Not individual was a business account. send proof it was a personal acct Date major delinquency first reported information missing Date of Last Acitivity is missing and accurate High Credit amount is missing this account has been disputed before for inaccurate and not reporting full information as per FCRA |
Attempts to collect debt not owed | I noticed on my credit reports that there was a debt for XXXX XXXX in the amount of {$390.00}. I have since taken care of that debt in order to retrieve new service. I am requesting that this debt be removed from my credit report. I also have not had any correspondence stating that this debt was in collections. |
Cont'd attempts collect debt not owed | I keep getting threatening calls from this company about a " pre-legal '' issue that if I do n't give them information, they could sue me. I have no debts in collections or even late debts. |
Incorrect information on your report | This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX. |
Advertising and marketing | i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud. |
Using a debit or ATM card | What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016. |
Incorrect information on your report | Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you!
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof. |
Incorrect information on your report | A XXXX XXXX XXXX credit card account appears on my Equifax credit report, I have been trying to fix it since XXXX, its XXXX and the problem is still not solved. I have been into the bank, spoken with a banker, they wrote my a letter saying that It was going to be fixed in XXXX. |
Cont'd attempts collect debt not owed | REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED! |
Incorrect information on credit report | the credit has been Closed and Canceled and is no longer agented by or participated in by the current reporting bank and must be removed by law. |
Incorrect information on your report | I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Equifax shows {$6500.00} and closed and XXXX shows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. |
Problem with a credit reporting company's investigation into an existing problem | I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX |
Incorrect information on your report | Recently checking my credit report XXXX on XX/XX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from Navient to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled. |
Incorrect information on your report | On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit. |
Other | Old navy visa Card by scynory bank wont give me a credit increase because they say I do n't have enough of a credit score but its because all the fraud in curies on my credit report |
Incorrect information on your report | I had a My rtgage with Wells Fargo that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing |
Incorrect information on credit report | I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. ' |
Cont'd attempts collect debt not owed | Midland Funding LLC has garnished {$1000.00} from my midland bank account, and they claim that it was court ordered and i did not received any legal documents that state so. |
Communication tactics | I have received several letters XXXX all sent on the same day plus each letter had different amounts with them increasing ( in one month alone ). In addition to the letters I have received multiple calls as well. |
Improper use of your report | Equifax was recently hacked and my personal information might have been affected. Their attempt to resolve this is fraud protection for only one year. |
Credit reporting company's investigation | TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report. |
Incorrect information on your report | Credit card with XXXX XXXX was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report |
Incorrect information on your report | I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me |
Incorrect information on your report | I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either. |
Cont'd attempts collect debt not owed | I was a victim of identity theft and someone stole my checks |
Unable to get credit report/credit score | I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports. |
Incorrect information on your report | I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy.
under Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX |
Cont'd attempts collect debt not owed | I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full. |
Improper use of your report | Equifax utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk. |
Account opening, closing, or management | I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus. |
Loan modification,collection,foreclosure | I took out a mortgage loan. The mortgage company advertised a low payment and interest rate. However, the monthly payments and interest rate were not low as promise. The bank has started XXXX foreclosure procedures without success. Two different bank have sue me. I tried to do loan modifications several times but were denied without clear explanation. |
Incorrect information on your report | On XXXX XXXX , 2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported by XXXX XXXX XXXX , 2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission. |
Credit reporting company's investigation | I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage. |
Improper use of your report | Improper reporting to credit companies without prior consent under FDCPA laws. |
Cont'd attempts collect debt not owed | This account was open in my name without my consent. I am not responsible for this account. |
Cont'd attempts collect debt not owed | American Capital Enterprises is reporting a debt that I do not owe |
Billing disputes | I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. |
Unable to get credit report/credit score | I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me. |
Problem with a credit reporting company's investigation into an existing problem | My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained. XXXX XXXX is currently my provider but was not my provider when it had the delinquency of a hundred and twenty days |
Advertising and marketing | Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications. |
False statements or representation | Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount. |