Issue
stringlengths 4
80
| Consumer Complaint
stringlengths 5
244
|
|---|---|
Improper contact or sharing of info | CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES.
WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL! |
Incorrect information on credit report | There is XXXX social security numbers listed in my report. It will not let me dispute that it is not mine. It is my XXXX year old sons social security number. |
Improper use of your report | I have auto inquiries on my credit score that I never gave my consent to |
Credit monitoring or identity protection | XXXX XXXX submitted a hard inquiry to Equifax Credit Bureau on XXXX/XXXX/2015. I have no knowledge of this company. |
Loan modification,collection,foreclosure | We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX. |
Problem with fraud alerts or security freezes | Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this. |
Getting a credit card | I have tried since XX/XX/XXXX and XX/XX/XXXX and now trying to get this removed fro my credit |
Problem with a purchase shown on your statement | Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company. |
Cont'd attempts collect debt not owed | Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus. |
Improper use of my credit report | Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information. |
Improper use of your report | Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately. |
Bankruptcy | Acct closed under Chp XXXX bankruptcy in XXXX/XXXX/09 Bank of America. |
Cont'd attempts collect debt not owed | This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics. |
Incorrect information on credit report | all of the bad reports are over 10 years old! |
Communication tactics | I keep getting calls from debt company 's even after I change my phone number they get it and call me |
Loan modification,collection,foreclosure | Form XXXX A was filed from Ocwen as an Acquisition or Abandonment of Secured Property. I still occupy the property. |
Incorrect information on credit report | The company refused to remove all fradulent information from my report |
Trouble during payment process | This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint. Case # XXXX . Please review the attached document for more information |
Dealing with my lender or servicer | Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments. |
Attempts to collect debt not owed | I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly. |
Problems caused by my funds being low | There was an unauthorized transaction on my account and my bank is stating that it is my responsibility. |
Improper use of your report | I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation. |
Cont'd attempts collect debt not owed | I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer. |
Communication tactics | Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it. |
Cont'd attempts collect debt not owed | Debt was removed in XX/XX/XXXX, and the same debt was added again in XX/XX/XXXX. I do not know anything about this? |
Improper contact or sharing of info | Sent an email to a co worker about my debt. |
Incorrect information on credit report | I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN XXXX |
Taking/threatening an illegal action | Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred. |
Other features, terms, or problems | From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this. |
Account opening, closing, or management | Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people. |
Improper use of your report | Equifax did not protect my credit information and sensitive personal information was compromised in the hack. I need to pay money to freeze my credit reports for a mistake I did not make. |
Incorrect information on credit report | Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly. |
Problem with a credit reporting company's investigation into an existing problem | I tried to have a have a collection company removed from my credit report which I am not responsible for this debt. |
Improper use of your report | I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ... |
Incorrect information on your report | This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!! |
Incorrect information on your report | XXXX is reporting on my credit report that I 'm deliqute when I 'm not that added more m onwy on to my balance |
Improper use of your report | By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured. |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Incorrect information on your report | This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos ) |
Improper contact or sharing of info | Debt collector made several calls to work associates and in-laws describing debt in detail. |
Cont'd attempts collect debt not owed | Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility. |
Improper use of your report | I am listed as one of the possible victims of the recent experian credit hack. |
Improper use of your report | My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous.
Our security should be taken far more seriously. |
Incorrect information on credit report | I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation |
Improper contact or sharing of info | This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays. |
Incorrect information on credit report | Experian has reported wrong information to my credit report |
Struggling to repay your loan | I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well. |
Unauthorized transactions/trans. issues | The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ). |
Incorrect information on your report | Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information. |
Disclosure verification of debt | I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed. |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Incorrect information on your report | The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved. |
Improper use of your report | I have hard inquiries on my credit report an i do n't have accounts with none of these companies. |
Unable to get your credit report or credit score | COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS. RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS. THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS. |
False statements or representation | this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it |
Attempts to collect debt not owed | This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid |
Improper use of your report | XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX |
Incorrect information on your report | Information on my report do not belongs to me. Please remove |
Can't repay my loan | My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan. |
Improper use of your report | Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX |
Took or threatened to take negative or legal action | I ca n't understand who and why they came to drop off a document of a summons and need fo you to validate all these ... So provide all details of my request ... |
Disclosure verification of debt | I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should. |
Threatened to contact someone or share information improperly | Portfolio Recovery Assiciates, LLC and XXXX have and are in violation FDCPA, FRCA and 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93. |
Incorrect information on credit report | i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved. |
Improper contact or sharing of info | A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt. |
Attempts to collect debt not owed | The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for |
Other fee | See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee. |
Can't stop charges to bank account | Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan. |
Disclosure verification of debt | Company has mislabeled the debt on my credit reports |
Incorrect information on your report | My complaint is about the XXXX XXXX account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened. Regards |
Improper contact or sharing of info | They sent me a random email regarding a debt that i had never heard of. |
Loan servicing, payments, escrow account | Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time. |
Communication tactics | Harassing family members asking for my social security number and threatening to contact my employer. |
Incorrect information on credit report | XXXX. is reporting to Experian, Which they have not verified the debt that I owe. |
Improper use of your report | My personal information was included in the Equifax security breach. |
Credit monitoring or identity protection | XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is. |
Unable to get your credit report or credit score | I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY. |
Managing the loan or lease | Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me. |
Incorrect information on credit report | Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports. |
Credit reporting company's investigation | Equifax has duplicate / same account and reporting false and negative data related to a XXXX XXXX credit card. |
Incorrect information on credit report | I did n't change my address, some one change my address and open a XXXX under my name, |
Communication tactics | The caller was yelling at me and continued to cut me off and kept raising her voice |
Credit monitoring or identity theft protection services | Equifax had a data breach and now they are charging {$30.00} to put a credit freeze on accounts, this is absolutely ridiculous and should n't be allowed! My next step is a lawyer! |
Unable to get credit report/credit score | The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all. |
Incorrect information on credit report | My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly |
Cont'd attempts collect debt not owed | I do not owe this debt and would like for it to come off all XXXX credit bureaus. |
Attempts to collect debt not owed | I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information at all. |
Problem with a credit reporting company's investigation into an existing problem | XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry. |
Improper use of my credit report | this not my account |
Attempts to collect debt not owed | i paid my {$42.00} bill and they keep calling me about 6 times a day when i tell them im at work and can not take calls. |
Incorrect information on your report | Hi i sent letters with the past XXXX month to all three credit bureaus and have not got back any response. |
Incorrect information on your report | XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well. |
Communication tactics | NCB management calls me ove r 10 ti mes a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call. |
Incorrect information on your report | I have XXXX items on my credit report that was n't opened by myself and I do n't have any knowledge of these account they were open during the time I was incararated. XXXX XXXX, XXXX XXXX and XXXX XXXX |
Deposits and withdrawals | I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge. |
Disclosure verification of debt | I discovered the debt collector on my credit report. I mailed them XX/XX/2016 requested they provide full legal validation. They have not responded |
Loan servicing, payments, escrow account | this lender is passing the buck the have received my complaint and now sending me correspondence to claim to another part of their organization they already have the complaint as the primary contact |
Cont'd attempts collect debt not owed | These people keep calling and harassing me at all hours of the day and night. Very rude and unprofessional.
I just block them now. |
Disclosure verification of debt | unable to contact agency handling debt to verify. Debt appears to be from 2011. |