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Improper contact or sharing of info | My information was shared illegally ( third party ) without my informed consent. |
Improper use of your report | Equifax did not properly secure my information which was impacted in a major security breech. |
Getting a loan or lease | I am a victim of identity theft. I have disputed an account with North state Acceptance and they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done. |
Improper use of your report | My information is part of Equifax 's security breach. I also have a paid membership with Equifax which possibly puts me more at risk. |
Incorrect information on your report | I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score. |
Account opening, closing, or management | Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself. |
Incorrect information on credit report | I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage! |
Cont'd attempts collect debt not owed | This account has been paid and suppose to be removed from my credit report. I continuely get letter saying I owe. I have tried multiple times to get this handled I get get nowhere. Finally credit bureau stayed it would be removed from my credit report. They removed but added it back on again. Please investigate. I contacted fair trade and they Re investigating too. I want this removed from all my credit reports. Thank you, XXXX XXXX |
Incorrect information on your report | people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record |
Problem when making payments | I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/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. |
Improper use of your report | I have an inquire on my report I did not authorize XXXX / XXXX I. nquiry XXXX XXXX XXXX |
Incorrect information on your report | A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was. |
Attempts to collect debt not owed | Fraud |
Cont'd attempts collect debt not owed | SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter. |
Attempts to collect debt not owed | I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed |
Confusing or misleading advertising or marketing | I was informed to be pre-approved for XXXX XXXX, credit card and Citi Bank card. When I applied I was denied approval without explaination. Now I have two hardships on my credit. Not sure what credit card to apply for now to build credit. |
Disclosure verification of debt | Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan |
Credit reporting company's investigation | I have disputed this account reported to Experian, from XXXX XXXX Bank.
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau. |
Incorrect information on credit report | There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX Penn credit keeps calling my unsolicited home phone looking for someone who is NOT, and has never been at this number. I have relayed this to Penn Credit on multiple occasions and they continue to harass us looking for this individual. I will be submitting complains in all possible ways. My home number is XXXX XXXX XXXX |
Incorrect information on credit report | I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports. |
Credit reporting company's investigation | XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT.
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID |
Deposits and withdrawals | Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around. |
Communication tactics | I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company. |
Incorrect information on credit report | Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed |
Disclosure verification of debt | I have asked this company Pinnacle to verify a debt they claim I owe. I never did business with Pinnacle and I asked them to validate this debt and remove it from my credit report. I gave them 30 days on XX/XX/2017 and they still never validated and have not responded. |
Loan servicing, payments, escrow account | Claims to have not received a payment but I have clear bank proof of the transaction. |
Dealing with my lender or servicer | I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested. |
Loan servicing, payments, escrow account | Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}. |
Incorrect information on your report | XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00} |
Communication tactics | -In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ).
-I was originally set up with a payment plan to pay off my debt.
-I kept getting statements from the every month but it did n't seem that my |
Improper contact or sharing of info | The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny |
Disclosure verification of debt | I would like more information on the account being reported |
Disclosure verification of debt | I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption. |
Attempts to collect debt not owed | I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points |
Incorrect information on credit report | please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution.
please help me to remove these late. negatives from my records.
thank you |
Incorrect information on your report | loans show up on my report and its not mine, i have police report # XXXX Id theft |
Improper use of your report | Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. |
Taking/threatening an illegal action | The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic. |
Credit monitoring or identity protection | I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my report. |
Dealing with my lender or servicer | I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes. |
Communication tactics | I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person. |
Other | Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine. |
Improper use of your report | hi my ss # was used without my consent i have contacted the IRS and other creditors to help me resolved this problem and they have been more than helpful. |
Cont'd attempts collect debt not owed | I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why. |
Other transaction problem | Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired. |
Incorrect information on your report | I am a victim of the recent XXXX data breach, and a victim of identity theft. The following 2 credit card accounts on my XXXX and Experian credit report are fraudulent, unauthorized and the results of the XXXX data breach : XXXX XXXX and XXXX XXXX. The 2 accounts arent mine and dont belong to me. |
Account opening, closing, or management | I recently had both my accounts put on resticted use because of a bad check, I spoke to someone in the bank and they said there is nothing they can do and my accounts are going to close in 10 Business days and I have a pending direct Deposit they do n't allow and they keep giving me runaround stories saying it will be available and another representative said I ca n't get access because the account is resticted I do not understand why I can not get it |
Improper contact or sharing of info | Portfolio Recovery Associates called my XXXX about a " debt '' from 2003 of XXXX trying to get information like where I lived, my social security number, and where I work. They should not disclose personal information to other people about an XXXX year old debt especially. |
Credit reporting company's investigation | I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond. |
Cont'd attempts collect debt not owed | I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again.
I ended up paid the amount again simply because the amount is not large and the whole process is super annoying. |
Incorrect information on your report | I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files. |
Closing your account | I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account. |
Incorrect information on your report | Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX |
Cont'd attempts collect debt not owed | This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately. |
Attempts to collect debt not owed | In XXXX, a capital one account was created by one of my financial assistances. I didnt find out about it until XXXX, when she got fired for identity theft. I tried to remove the credit card from my credit for 2 years now but capital one said all the information match to me. So Im stuck paying for the debt. |
Getting a loan or lease | We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company? |
Using a debit or ATM card | I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing. |
Identity theft / Fraud / Embezzlement | I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me. |
Improper use of your report | I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX |
Problem with a credit reporting company's investigation into an existing problem | See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm.
All information for collections reporting has incomplete details on credit reporting bureaus and should be removed.
Account is settled. |
Incorrect information on your report | I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit |
Managing an account | I contacted XXXX by phone and they are refusing to allow me to access the money credited to me by XXXX currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means. |
Attempts to collect debt not owed | Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back. |
Attempts to collect debt not owed | This debt has been charged off and account closed. I have asked for validation of this debt and not received it. |
Communication tactics | This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact them. |
Managing the loan or lease | Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX report. |
Communication tactics | Making threats to have my license suspended and refused to verify the debt was paid. I was contacted by a XXXX XXXX from national commercial services phone number XXXX ext XXXX XXXX insulted me several times told me I heard voices in my head called my a liar several times. |
Managing, opening, or closing account | Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response.
I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly.
Ingo money is punishing me for no violations. |
Incorrect information on credit report | Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX |
Can't contact lender | They have threatened me with an arrest warrant sent to my email. |
Problem with a credit reporting company's investigation into an existing problem | I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act. |
Loan modification,collection,foreclosure | I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed. |
Cont'd attempts collect debt not owed | Debt was paid, negotiated to be removed from the credit report. It continues to show on the XXXX credit reports. |
Improper use of your report | Under the new law effective XX/XX/XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file. |
Managing the loan or lease | Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years |
Account opening, closing, or management | Called XXXX to close XXXX accounts which had held approximately {$200000.00}. I moved money out on Monday and Thursday day before. I asked about trailing interest for the money market account which held the bulk of the {$200000.00}. The telephone representative say they would not pay the interest, because I was closing the account. |
Communication tactics | This company repeatedly calls me at XXXX and XXXX Alaska standard time. |
Dealing with my lender or servicer | Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me. |
Taking/threatening an illegal action | This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment. |
Problem adding money | I use Coin base to transfer my big coin 's and for some reason they made my bitcoin vault negative XXXX $ and they need to reset it to XXXX I can not withdraw any of my funds |
Attempts to collect debt not owed | PLEASE HAVE THEM TO RECHECK THEIR RECORDS, I PAID XXXX ... DOWN ON THIS ACCOUNT ALREADY ... |
Incorrect information on your report | I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN XXXX |
Problem with a credit reporting company's investigation into an existing problem | After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation. |
Problem with a credit reporting company's investigation into an existing problem | I have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report. |
Communication tactics | One day past due and they will call every 2 hours. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX |
Improper use of my credit report | Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015. |
Billing disputes | I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds. |
Problem with a credit reporting company's investigation into an existing problem | Multiple attempts to request action to prove and or remove delinquency to no avail |
Cont'd attempts collect debt not owed | XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges. |
Disclosure verification of debt | I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX. |
Incorrect information on your report | Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported. |
Money was not available when promised | I initiated a withdrawal from coinbase ( withdrawal reference XXXX ) on the XXXX XXXX XXXX for the sum of XXXX. The money should of cleared in my account by the XXXX of XXXX XXXX but the money seems to have disappeared.
Several attempts have been made to contact customer support but all attempts have been ignored. |
Managing the loan or lease | I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees .... |
Problem when making payments | Notified company that statement was NOT received. Disputed late and extra interest charges applied. Statement date was XX/XX/2015. Company responded by filing a complaint on my credit reports. |
Incorrect information on your report | I have never lived in Texas. The address in Texas is not me. Thanks |
Incorrect information on your report | I contacted experian about reporting a bankruptcy on my credit file. I spoke the bankruptcy court, they informed me they never received a request from experian. Experian is reporting incorrect information on my file. They used second hand company to get incorrect information. I never filed a bankruptcy, I sent a letter to experian asking them to remove all incorrect reporting. They sent a letter back stating verified. |
Credit reporting company's investigation | XXXX XXXX. Last Payment date is not being reported properly after I sent the letter from XXXX. account should be removed immediately. i have sent them numerous letters and faxes to have this corrected and account removed. |
Incorrect information on credit report | I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA. |