Issue
stringlengths 4
80
| Consumer Complaint
stringlengths 5
494
|
|---|---|
Incorrect information on your report | I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED. |
Disclosure verification of debt | this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with. |
Incorrect information on your report | XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report.
Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report. |
Incorrect information on your report | Early Warning Services LLC XXXX XXXX XXXX ACCT # XXXX Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident. |
Disclosure verification of debt | was not given any notice regarding this debt, therefor unable to verify its validity. |
Improper contact or sharing of info | I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything. |
Incorrect information on your report | Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request. |
Cont'd attempts collect debt not owed | To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs. |
Problems at the end of the loan or lease | I bought a car in XX/XX/XXXX from a company called XXXX.in XXXX, Ga and paid it out in XX/XX/XXXX., so XX/XX/XXXX XXXX was bought out by a company called XXXX XXXX XXXX in XXXX , fla . so XXXX XXXX XXXX says in order to get the title I have to pay them {$1400.00} for the title because I leased the car from XXXX., so they want to charge me what they called resiual fees. there phone number is XXXX customer services. XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX. |
Incorrect information on your report | I am a victim of identity theft. The following XXXX XXXX XXXX XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX. |
Balance transfer | I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information. |
Took or threatened to take negative or legal action | XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. |
Disclosure verification of debt | Account Receivable Solutions is reporting under XXXX credit bureaus an account they have not verified |
Problems caused by my funds being low | PNC pulled another stunt today on XX/XX/2016.
They tried to put some outstanding checks through before my direct deposit went through.
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}.
They charged me XXXX overdraft fees of {$36.00} each!!
I had a positive balance at XXXX on XX/XX/XXXX! |
Attempts to collect debt not owed | PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co. |
Cont'd attempts collect debt not owed | I do not know nor have I ever heard of this debt collector. It is not mine. |
Managing the line of credit | The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs |
Incorrect information on credit report | i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report |
Cont'd attempts collect debt not owed | Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency. |
Cont'd attempts collect debt not owed | I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results. |
Incorrect information on credit report | car dealer cancelled sale car was broke XXXX put it as repossession false info the car was broke and unfixable by XXXX contact info XXXX XXXX XXXX or XXXX XXXX XXXX can contact dealer. |
Cont'd attempts collect debt not owed | This account was paid in full. |
Disclosure verification of debt | Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency |
Closing/Cancelling account | According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Bank of America, and Bank of America. It has been more than 6 years for each of the accounts. I want them removed. |
Problem with a credit reporting company's investigation into an existing problem | There are a couple missed payments on my USAA card, i have since paid the amount due and late fees and the late marks have not been taken off |
Cont'd attempts collect debt not owed | Millenium Financial Group, is trying to collection on a debt I open with XXXX 's in 2008. That debt is outdated and should not be able to be collected on. I have paid out all my accounts with XXXX in XXXX, Tx. What best describes my situation was not above as an Outdated account that is trying to be collected on. There needs to be a check box for Outdated debts as well for my situation just as well as other consumers. |
Communication tactics | Stated that my mother is in some sort of legal trouble. Stated they know she is XXXX XXXX XXXX and they know her last XXXX digits of social security number. Stated I could make all this " go away ''. No details on what exactly is problem ... Feel like they are trying to extort money from me, although issue is n't even with me. I told them to quit making harassing calls and send any complaint to my mother via XXXX mail. They stated they do n't work that way. |
Unable to get your credit report or credit score | Accounts have been separated multiple times, i am a twin and my social security number and name keeps getting merged with my twin sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist. |
Application, originator, mortgage broker | Our loan officer at Mortgage Lenders of America disclosed our family 's bank account balances, our income, credit issues, and other private financial information to our realtor WITHOUT our consent. Then, his management basically did everything in their power to discourage us from moving forward with our home loan causing us to miss our closing date, forfeit our earnest money, appraisal costs, and moving costs. |
Attempts to collect debt not owed | Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling. |
Problem with a credit reporting company's investigation into an existing problem | I have disputed a tax lien on my credit report from Transunion on 3 different occasions. The lien is not on my XXXX or XXXX credit report which I have attached. Transunion only says that the lien has been verified but did not furnish me with no original documentation on who or how it was verified. |
Dealing with my lender or servicer | I made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them. |
Dealing with your lender or servicer | I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating. |
Cont'd attempts collect debt not owed | This account donot belong to me at all and i would this removed off my credit |
Disclosure verification of debt | I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same |
Struggling to repay your loan | We tried for years to get repayment plans that would be based on income. The only options we were given were forbearance we owe a huge amount of money that even after payments continues to increase. |
Loan servicing, payments, escrow account | I got a Reverse Mortgage in XXXX 2009. My original principle was {$100000.00}. I have only drawn out {$38000.00}. I am not finding what happened to {$31000.00}. I have requested a complete schedule of withdrawals and an available balance numerous time, and have only received partials. |
Managing the loan or lease | my bank of america housing servicing loan just disappeared in the state of mississippi where did my credit go to in mississippi |
Identity theft / Fraud / Embezzlement | I have requested that Total Card Inc. send a contract bearing my signature or remove the fraudulent account from my credit file. |
Improper use of my credit report | Went to XXXX XXXX hospital for XXXX XXXX a few weeks later I got the bill in the mail but when I called their billing the repsenative advised me to ignore it that even if I did n't pay my bill they could not report to the credit beaure because they were privately owned. I just checked my credit today XXXX to find they sent my information to a collection agency which is against the law. I wish to have the report from XXXX XXXX to be removed from my credit. |
Cont'd attempts collect debt not owed | XXXX has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit.
CFPB first complaint # XXXX |
Communication tactics | I get seven to eight calls a day from XXXX. The original amount owed is XXXX. They want XXXX. |
Taking/threatening an illegal action | Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me. |
Attempts to collect debt not owed | XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX. |
Loan servicing, payments, escrow account | This month US Bank started charging a {$5.00} fee to pay my mortgage monthly payment. Up until XX/XX/2016 this fee had previously not been charged. I have received no disclosures or information as to why this fee is now being charged. Also, this is unfair practices to nickle and dime customers just to make payment on their mortgage. |
Cont'd attempts collect debt not owed | I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing. |
Problem with a credit reporting company's investigation into an existing problem | XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and XXXX. |
Fraud or scam | I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now.
Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX |
Money was not available when promised | On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX |
Incorrect information on credit report | there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more. |
Attempts to collect debt not owed | I have contacted XXXX to process an dispute few times on my behalf about in corrected in -formation reported in my credit report and always get they same result wish is reporting CO from XX/XX/XXXX thru XX/XX/XXXX and also is showing 30,60.90 days late in XX/XX/XXXX all this information is in-corrected.
I filed bankruptcy chapter XXXX on XX/XX/XXXX |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Struggling to pay mortgage | I have summited I complete RMA Packet to Shellpoint and have asked to postponed my sell date. they there reviewing my document as of XXXX / XXXX / 17 and they have not postponed my sale date they are double tracking. |
Disclosure verification of debt | The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years. |
Cont'd attempts collect debt not owed | The judgment was satisfied trough wage garnishment which was paid off in XXXX. This debt shows as paid on my credit report. 10 years later, MacDowell & Associates sends a wage garnishment for the exact same amount that was already paid to them. This debt has been paid. The judgment was entered in XXXX and paid off by XXXX. |
Dealing with your lender or servicer | Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on XXXX XXXX, 2017 |
Managing, opening, or closing account | US Bank will not allow me to close the account. They told me that if I close the account the funds would stay on the card and that I can not get a check or have the balance of the card transferred by ACH to my checking. |
Attempts to collect debt not owed | Not my Loan, do n't know the person. |
Attempts to collect debt not owed | I received a letter from this company alleging that I owe them a debt and that they provided me with services. I have never done business with this company and nor have they provided me with goods or services |
Cont'd attempts collect debt not owed | Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data |
Incorrect information on credit report | In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX. |
Incorrect information on credit report | I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now. |
Incorrect information on credit report | There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending |
Improper use of your report | Stolen information from the EquiFax cyberbreach. |
Improper use of your report | When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA.
Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it. |
Billing disputes | US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated.
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX XXXX, XXXX |
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 |
Incorrect information on your report | Experian Report # XXXX XX/XX/18 Personal Information : does not list my current 2 employments as stated before. I have attach proof |
Improper use of your report | I DID NOT AUTHORIZE THIS INQUIRY |
Fees or interest | I'm been charged fees and interest on my credit card account from Citi Bank but I'm not able to submit my payment as the site is always down. |
Improper use of your report | Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. ' |
Account opening, closing, or management | HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year. |
Incorrect information on your report | XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra. |
Cont'd attempts collect debt not owed | This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them. |
Incorrect information on credit report | This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing! |
Attempts to collect debt not owed | This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us. |
Improper use of your report | Equfax ' s employment verification service at XXXX claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft. |
Unable to get credit report/credit score | I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report.
I want my credit report and score so that I can see what is on it.
My credit report should not have any thing negative on it. |
Problem when making payments | I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday. |
Incorrect information on credit report | Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA |
Cont'd attempts collect debt not owed | my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection. |
Communication tactics | This company calls all day every day. I blocked the number than they call from local numbers |
Billing statement | I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes. |
Attempts to collect debt not owed | I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for. |
Deposits and withdrawals | Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned. |
False statements or representation | THE COMPANY IS REPORTING DEBIT AS ONLY XXXX YEARS OLD WHEN IN FACT THE DEBIT IS XXXX YEARS OLD |
Fees or interest | I enrolled in paperless statement, however, I never receive email regarding my statement and amount due.
I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement. |
Disclosure verification of debt | I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company. |
Loan servicing, payments, escrow account | 1. I had a fire in my home.
2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company.
3. I endorsed the check and sent to the mortgage company.
4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight. |
Adding money | I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money. |
Settlement process and costs | BAC loan was signed to rescind BAC stole over {$150000.00}.
BAC they broke a dozen Laws ( to me ) |
Unable to get your credit report or credit score | I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month.
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all. |
Struggling to pay your loan | I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help. |
Unable to get your credit report or credit score | I am entitled to an annual credit report from each of three credit bureaus via XXXX but was repeatedly denied all three of them by the XXXX XXXX XXXX XXXX XXXX purportedly due to inexplicable technical and/or other undisclosed reasons. I use XXXX XXXX XXXX and XXXX XXXX. |
Loan servicing, payments, escrow account | Bank of America Mortgage Dept.
So they charge you an additional 10 days of Interest when they give you a mortgage payoff. Which in my case is {$19.00} a day till XXXX XXXX. They got my funds & closed today XXXX. SO YOU WOULD THINK I GET A REFUND FOR THOSE 10 DAYS. People need to keep on eye on their money. This is no way to do business. I think I 'm entitle to a refund. |
Cont'd attempts collect debt not owed | Calling my residence on a debt that I do not owe. Harrassing |
Dealing with my lender or servicer | I have been paying on a student loan since 2004 |
Incorrect information on credit report | This federal tax lien was paid and WITHDRAWN through the XXXX and should have been removed from my credit report. I uploaded the form from the XXXX to Equifax and disputed it XXXX, but they say they keep verifying with the XXXX County tax recorder office. I 'm attaching the form from the XXXX verifying the lien was paid and approved for withdrawal. |
False statements or representation | I am not aware of these charges and no invoices and work done has been submitted to me. |
APR or interest rate | i am being charged interest on cash advance which i do not use |