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Unable to get credit report/credit score | Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why? |
Struggling to pay mortgage | DiTech intends to sell XXXX XXXX 's home at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX is presently in review for loan modification. If DiTech were to move forward with the foreclosure sale they would be violating Regulation X, 12 C.F.R. 1024.41 ( g ). |
Making/receiving payments, sending money | On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident. |
Cont'd attempts collect debt not owed | I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation |
Managing the loan or lease | Wells Fargo continues to report an unresolved auto loan balance on my credit report that is not my responsibility. I have contacted Wells Fargo about this on numerous occasions, and provided them with the court documents which transfers the liability, but they refuse to take action. |
Incorrect information on credit report | Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of. |
Loan servicing, payments, escrow account | I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached |
False statements or representation | They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit. |
Other fee | Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal? |
Threatened to contact someone or share information improperly | This is the second time and the XXXX XXXX XXXX went as far putting their hands in my bank account and took money out of my account without my consent. I keep receiving calls during work hours. Even though I told them to communicate over regular mail to stop calls they have ignored my requests. I need your help with this. |
Disclosure verification of debt | Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so. |
Incorrect information on your report | On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX |
Communication tactics | XX/XX/2018 repeated phone calls |
Incorrect information on credit report | On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan. |
Incorrect information on credit report | transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed. |
Dealing with my lender or servicer | I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all. |
Credit reporting company's investigation | On XXXX XXXX, I went to the Experian website to remove a freeze that I had previously placed on my credit report after XXXX got hacked. The number associated with that freeze is XXXX. I entered my debit card info for the {$10.00} charge to remove a freeze. Experian then charged my account XXXX separate times at {$10.00} each. I have been unable to get a response via phone ( interminable hold for an agent ) or via customersupport@experian.com. |
Incorrect information on credit report | I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account 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 / XXXX consultant XXXX |
Communication tactics | This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis. |
Took or threatened to take negative or legal action | Last called was XXXX XXXX XXXX at my place of employment. Was a recorded message. I have left messages in the past for something in written but nothing was sent. |
Cont'd attempts collect debt not owed | For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts. |
Dealing with my lender or servicer | Current account balance/s incorrect. |
Improper contact or sharing of info | My friend received a call at work in reference about me owing money. Told her about allegations against me and said he would have my drivers license suspended and wage garnished plus contact the social security for fraud. Is this legal in Texas to have a company named ADR XXXX Group to call a third party person to leave this information? |
Application, originator, mortgage broker | I received an invitation to calculate my mortgage payment via email solicitation. ( See attachment ). I was not informed that my personal information would be sold and sent to other mortgage lenders who in turn checked my credit report. This has resulted in my credit score being impacted significantly. These practices are totally unfair to consumers and I am requesting your assistance in resolution of this situation. |
Identity theft / Fraud / Embezzlement | Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud. |
Problem with a credit reporting company's investigation into an existing problem | I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA. |
Cont'd attempts collect debt not owed | A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had. |
Fees or interest | I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX |
Cont'd attempts collect debt not owed | Letters and phone calls continue to be received from Harris & Harris of Illinois , Ltd, attempting to collect a debt of {$590.00} from XXXX. The debt has already been paid, yet we continue to receive letters & phone calls from Harris & Harris. |
Can't repay my loan | I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator. |
Loan modification,collection,foreclosure | My second mortgage, held by SLS, was converted into a regular mortgage without any notification and at a 5 % interest. This more than doubled my payments overnight. |
Problem with a credit reporting company's investigation into an existing problem | They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt |
Cont'd attempts collect debt not owed | Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus. |
Incorrect information on credit report | According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting once again. |
Loan servicing, payments, escrow account | OCWEN Loan Servicing company has failed to process sevral items such as receiving hazard insurance documents, processing payments even after confirming that ACH program was set up, and errors shown on escrow account. Customer service was unable to assist with problem after spending hours on the phone. There has not been a single thing that has not had an issue. |
Problem with a credit reporting company's investigation into an existing problem | I was shocked when I reviewed my credit report and found late payment.
30 days late as of XXXX 2017 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. |
Incorrect information on your report | Nw financial in XXXX XXXX, mo. Shows 3 derogatory remarks on my XXXX credit report. The companys that filed a collection with NW are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX. These were all discharged in my bankruptcy in XXXX. |
Incorrect information on credit report | Due to XXXX 's XXXX XXXX error, my account that has been closed and inactive for almost 17 months, was sent to collections. I am in the process of disputing with XXXX and XXXX XXXX which has the debt now. |
Billing disputes | Chase bank for XXXX card charged me late fees due to me not paying them before XXXX. I never had a problem paying them via over the phone with their automative phone service. They just recently started charging me late fees. I told them that I am on XXXX time. They told me they did n't care and charged me anyway. They went up on my interest rate every month except for XXXX and XXXX and XXXX. |
Other features, terms, or problems | XXXX XXXX XXXX is not allowing a third party application to access my account even though I approve the access. I should have access to my account. |
Dealing with your lender or servicer | My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in over two years. I have n't been behind enough to warrant aggressive collections. I am worried that XXXX XXXX is okay'ig aggressive collections efforts. |
False statements or representation | I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}.
Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed. |
Incorrect information on credit report | I disputed several items on my credit report and they have not responded with proof or anything. |
Charged fees or interest you didn't expect | i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}. |
Application, originator, mortgage broker | We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract. |
Problem with fraud alerts or security freezes | Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!! |
Incorrect information on credit report | The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT. |
Incorrect information on your report | Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success.
this is fraud at its finest, not to mention the unprofessionalism on Equifax part. |
Incorrect information on your report | I sold my home last year and BBVA COMPASS BANK reported BANKRUPTCY on my credit report on XX/XX/XXXX. I have contacted COMPASS BANK numerous times and no one has returned my phone call. I have had to hire a credit company to try and resolve this issue. We sold our home in XX/XX/XXXX and purchase our new home in XX/XX/XXXX. I have never filed for Bankruptcy. |
Unable to get credit report/credit score | I asked Equifax Of my payment history dating from now until 2007 for creditor XXXX and Equifax or XXXX can not provide me with my payment history dating back to 2007 the beginning of my loan |
Closing/Cancelling account | My Capital One credit card has been closed due to a mistake by Capital One and my request. My credit still reflects a balance, there should be no balance it was paid in full. Also Capital One agreed to remove this account entirely from my credit report. |
Payoff process | The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times. |
Disclosure verification of debt | I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held. |
Incorrect information on credit report | Addresses and accounts on all credit reports are not mine. |
Managing the loan or lease | Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender. |
Improper use of your report | Like millions of others, Equifax 's sub-standard security measures and baffling technical incompetence ( eg, not subdomaining their " check status '' website, different certs, plain-text unencrypted data ... ) caused my information to potentially be leaked to unknown parties.
The solution they offered was to monitor my credit -- - though, given their track record, it 's not surprising that this should be unsettling. |
Problems when you are unable to pay | I have an account with Honda Financial that is not reporting correct to the credit bureaus. It was a lease I paid it off in full I was only late XXXX payments They reported multiple late pays and I have contacted them over and over to resolve. I have also tried to dispute it through the credit bureaus but it was not fixed. |
Problem with customer service | I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response. |
Cont'd attempts collect debt not owed | I am receiving letters from XXXX XXXX XXXX XXXX XXXX XXXX for the current creditor " LVNV Funding LL '' for XXXX XXXX XXXX XXXX for a debt I do not owe.
The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me. |
Incorrect information on credit report | Experian contacted XXXX to have my account removed from Experian, Experian insist that they do n't have request, I even faxed them a letter from the collection agency saying to remove account and they have not done so |
Unable to get credit report/credit score | XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail. |
Attempts to collect debt not owed | : I have medi cal Insurance and the y refused to take down information. Please advise to charge : XXXX NJ XXXX XXXX XXXX Member ID YHZ XXXX Member XXXX Provider XXXX Dental XXXX Pharm/Hosp XXXX |
Cont'd attempts collect debt not owed | Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid. |
Disclosure verification of debt | I have contacted the original creditor and was informed that they never submitted the hospital bill to my car insurance or Medicare. I feel that they should release me from liability on this due to the fact that I was not informed of it until it was too late to submit it to either of my insurances. The hospital I was treated at received their payment. This was for the emergency physician I do n't feel this is right and should be removed. |
Closing/Cancelling account | I have good credit and pay my bill on time. For some unknown reason, Discover card decided that they do n't want me as a customer anymore and canceled my account. I think this will adversely affect my credit. From what I found out online, they seem to have targeted mostly XXXX for the account closure. I think I deserve an honors answer as why they have decided to close my account. |
Communication tactics | U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES. |
Problem with a credit reporting company's investigation into an existing problem | Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.
I had called discover and am still waiting for late fee to be removed. |
Struggling to pay mortgage | The lender has failed to respond to our QWR and Notice of error request sent on XXXX / XXXX / 2017 and are proceeding to sale set for XXXX / XXXX / 17 - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) a nd the clients right to counsel. |
Incorrect information on credit report | There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not |
Credit reporting company's investigation | To Whom It May Concern : I had a collection debt put on me by XXXX XXXX XXXX in XXXX, this account ( {$870.00} ) was paid in full in XXXX XXXX. When checking my credit report this account still shows up on my credit report as a correct account. How long does an account stay on your credit report before it is removed. I thank you for looking into this matter. |
Struggling to pay mortgage | I fell behind on Payment in XX/XX/XXXX do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me. I applied for 3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started with litton loan in XX/XX/XXXX at some point ocwen took over all the bad loans. Please help me save my house. XXXX XXXX |
Incorrect information on your report | I would like Equifax to remove the fraud inquires from my credit report. |
Unable to get credit report/credit score | In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take |
Incorrect information on credit report | Experian 's upload/dipute system is non-functioning so I ca n't dispute these items on my credit report.
XXXX, ACCT NO.XXXX has XXXX collection accounts reporting for years reporting a duplicate collection for a single service with slightly different amounts and a single digit difference in the account number XXXX and XXXX dollars.the original creditor is XXXX.Please delete XXXX accounts. |
Can't stop withdrawals from your bank account | FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS. |
Improper use of your report | Capital one XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ,2016, |
Unauthorized transactions/trans. issues | Not able to access my funds with rushcard.
Need to pay bill by tommorrow and im stuck without my direct deposit |
Credit reporting company's investigation | This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Exquifax continues to verify.
equifax mortgage service XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, |
Improper contact or sharing of info | They obtained a number for a relative and disclosed all my account information! |
Incorrect information on your report | I refinanced my through the XXXX XXXX XXXX XXXX in XXXX of 2017 and it is still showing on my credit report that my loan is still open with Ally Financial. |
Incorrect information on credit report | Case numbers : XXXX need to know why my credit score dropped dramatically. |
Attempts to collect debt not owed | I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date ( XXXX 2017 ) after it has been absent from my profile for almost a year. |
Unable to get credit report/credit score | I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the bureaus |
Incorrect information on credit report | My XXXX account has been paid in full as well as XXXX |
Improper use of your report | During the recent Equifax hack, my personal information was compromised and I had to apply for multiple credit freezes to minimize by potential risk ( performed on XXXX17 ). |
Incorrect information on your report | I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help! |
Problem when making payments | I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. |
Incorrect information on your report | The account was closed but the balance still show for an amount of {$1700.00}. this is an incorrect amount the balance should be XXXX . |
Incorrect information on credit report | I paid all my payments on time for 5 years to XXXX XXXX. Now XXXX XXXX. I noticed my last payment in 2015 was not posted right away. They took time clearing the check. Now I find a late fee in my credit, damaging my credit. These loans were supposed to help me fix my credit not damaging my credit. I request and investigation and that the late fee be removed from my credit. Thanks a lot. |
Incorrect information on your report | I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX bank/ Midland finical LLC promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family. |
Communication tactics | Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period |
Cont'd attempts collect debt not owed | i have a son XXXX XXXX XXXX years old that get this bill front XXXX hospital in XXXX/XXXX/XXXX, my son move out my house and dont pay this bill, now they try to make me to pay this bill, puting this one in my name went i never was that bills responsable..
they send this bill in my name, now XXXX/XXXX/XXXX this collections agency try to get the monney front me, until my son is the respomsable for this bill.. |
Incorrect information on your report | Experian is reporting a collection for XXXX and account was paid at XXXX ... |
Billing disputes | I have nothing in collections. XXXX is not in collections. XXXX and XXXX need to update my credt report immediately.
My balance with Capital One is {$300.00} less then the aount on y report.
XXXX XXXX should take off 1 late pmt. I spoke eith them at length before the late pmt. I am on timevwith pmts. |
Credit monitoring or identity theft protection services | Equifax failed at protecting my credit information from hackers. They have offered free credit monitoring for a year as compensation. Too little, too late ... my information has been compromised and the repercussions can potentially last for many years. They failed to do their job and have offered no reasonable solution to the massive problem they helped create. |
Incorrect information on credit report | I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report. |
Improper use of your report | I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me. |
Incorrect information on credit report | This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing! |
Unable to get credit report/credit score | Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions. |
Fraud or scam | I attempted to purchase baseball tickets advertised through XXXX. The purported seller contacted me via email and text, including instructions on sending payment through Moneygram. Long story short, she claimed the {$1400.00} I sent her, disappeared, and never sent the tickets. |