In [ ]:
import pandas as pd
import numpy as np
import matplotlib.pyplot as plt
from altair import Chart, load_dataset
In [4]:
csv_path = "../data/consumer-complaints.csv"
In [ ]:
complaints = pd.read_csv(csv_path, parse_dates=[0], infer_datetime_format=True)
//anaconda/lib/python2.7/site-packages/IPython/core/interactiveshell.py:2717: DtypeWarning: Columns (5,11) have mixed types. Specify dtype option on import or set low_memory=False.
interactivity=interactivity, compiler=compiler, result=result)
In [34]:
complaints['Date received'].describe()
Out[34]:
count 730212
unique 1920
top 2017-01-19 00:00:00
freq 2036
first 2011-12-01 00:00:00
last 2017-03-03 00:00:00
Name: Date received, dtype: object
In [36]:
complaints.head()
Out[36]:
Date received
Product
Sub-product
Issue
Sub-issue
Consumer complaint narrative
Company public response
Company
State
ZIP code
Tags
Consumer consent provided?
Submitted via
Date sent to company
Company response to consumer
Timely response?
Consumer disputed?
Complaint ID
0
2013-07-29
Consumer Loan
Vehicle loan
Managing the loan or lease
NaN
NaN
NaN
Wells Fargo & Company
VA
24540
NaN
NaN
Phone
07/30/2013
Closed with explanation
Yes
No
468882
1
2013-07-29
Bank account or service
Checking account
Using a debit or ATM card
NaN
NaN
NaN
Wells Fargo & Company
CA
95992
Older American
NaN
Web
07/31/2013
Closed with explanation
Yes
No
468889
2
2013-07-29
Bank account or service
Checking account
Account opening, closing, or management
NaN
NaN
NaN
Santander Bank US
NY
10065
NaN
NaN
Fax
07/31/2013
Closed
Yes
No
468879
3
2013-07-29
Bank account or service
Checking account
Deposits and withdrawals
NaN
NaN
NaN
Wells Fargo & Company
GA
30084
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
468949
4
2013-07-29
Mortgage
Conventional fixed mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
Franklin Credit Management
CT
06106
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
475823
In [38]:
company = complaints.groupby(['Company'])
In [39]:
company.head()
Out[39]:
Date received
Product
Sub-product
Issue
Sub-issue
Consumer complaint narrative
Company public response
Company
State
ZIP code
Tags
Consumer consent provided?
Submitted via
Date sent to company
Company response to consumer
Timely response?
Consumer disputed?
Complaint ID
0
2013-07-29
Consumer Loan
Vehicle loan
Managing the loan or lease
NaN
NaN
NaN
Wells Fargo & Company
VA
24540
NaN
NaN
Phone
07/30/2013
Closed with explanation
Yes
No
468882
1
2013-07-29
Bank account or service
Checking account
Using a debit or ATM card
NaN
NaN
NaN
Wells Fargo & Company
CA
95992
Older American
NaN
Web
07/31/2013
Closed with explanation
Yes
No
468889
2
2013-07-29
Bank account or service
Checking account
Account opening, closing, or management
NaN
NaN
NaN
Santander Bank US
NY
10065
NaN
NaN
Fax
07/31/2013
Closed
Yes
No
468879
3
2013-07-29
Bank account or service
Checking account
Deposits and withdrawals
NaN
NaN
NaN
Wells Fargo & Company
GA
30084
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
468949
4
2013-07-29
Mortgage
Conventional fixed mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
Franklin Credit Management
CT
06106
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
475823
5
2013-07-29
Bank account or service
Checking account
Deposits and withdrawals
NaN
NaN
NaN
Bank of America
TX
75025
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
468981
6
2013-07-29
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt is not mine
NaN
NaN
NRA Group, LLC
VA
20147
NaN
NaN
Web
08/07/2013
Closed with non-monetary relief
Yes
No
467801
7
2013-07-29
Debt collection
I do not know
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
SunTrust Banks, Inc.
FL
32818
NaN
NaN
Referral
08/01/2013
Closed with explanation
Yes
Yes
475728
8
2013-07-29
Credit card
NaN
Billing statement
NaN
NaN
NaN
Citibank
OH
45247
NaN
NaN
Referral
07/30/2013
Closed with explanation
Yes
Yes
469026
9
2013-07-29
Mortgage
Other mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
Wells Fargo & Company
NV
89511
NaN
NaN
Referral
07/30/2013
Closed with explanation
Yes
Yes
469035
10
2013-07-29
Mortgage
Other mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
Bank of America
NC
27949
NaN
NaN
Referral
07/30/2013
Closed with non-monetary relief
Yes
No
469037
11
2013-07-29
Mortgage
Other mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
JPMorgan Chase & Co.
CA
90703
NaN
NaN
Referral
07/30/2013
Closed with explanation
Yes
No
469284
12
2013-07-29
Mortgage
Other mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
Citibank
CA
95821
NaN
NaN
Referral
07/31/2013
Closed with explanation
Yes
Yes
480488
13
2013-07-29
Debt collection
Credit card
Communication tactics
Frequent or repeated calls
NaN
NaN
Asset Management Professionals, LLC
PA
19145
Older American
NaN
Phone
08/01/2013
Closed with explanation
No
NaN
468904
14
2013-07-29
Debt collection
Credit card
Communication tactics
Frequent or repeated calls
NaN
NaN
Wells Fargo & Company
PA
19145
Older American
NaN
Phone
08/01/2013
Closed with non-monetary relief
Yes
No
468905
15
2013-07-29
Mortgage
Conventional fixed mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
JPMorgan Chase & Co.
NY
14092
NaN
NaN
Phone
07/31/2013
Closed with explanation
Yes
No
469057
16
2013-07-29
Mortgage
Conventional fixed mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
Ocwen
FL
33426
NaN
NaN
Web
07/31/2013
Closed with explanation
Yes
Yes
469060
17
2013-07-29
Mortgage
Conventional fixed mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
JPMorgan Chase & Co.
NY
10019
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
Yes
469070
18
2013-07-29
Mortgage
Conventional fixed mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
Citibank
NJ
07604
NaN
NaN
Web
07/30/2013
Closed with explanation
Yes
No
472236
19
2013-07-29
Credit card
NaN
APR or interest rate
NaN
NaN
NaN
Synchrony Financial
WA
98548
NaN
NaN
Web
07/29/2013
Closed with monetary relief
Yes
No
469131
20
2013-07-29
Credit reporting
NaN
Credit monitoring or identity protection
Problem cancelling or closing account
NaN
NaN
Experian
CA
90034
NaN
NaN
Web
07/29/2013
Closed with monetary relief
Yes
No
474204
21
2013-07-29
Mortgage
Conventional adjustable mortgage (ARM)
Loan modification,collection,foreclosure
NaN
NaN
NaN
Bank of America
HI
96793
NaN
NaN
Web
07/31/2013
Closed with explanation
Yes
No
469138
22
2013-07-29
Mortgage
Other mortgage
Application, originator, mortgage broker
NaN
NaN
NaN
JPMorgan Chase & Co.
FL
32825
NaN
NaN
Postal mail
07/30/2013
Closed with explanation
Yes
No
469143
24
2013-07-29
Mortgage
Other mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
Ocwen
NY
14467
NaN
NaN
Referral
07/30/2013
Closed with explanation
Yes
Yes
469360
25
2013-07-29
Mortgage
Other mortgage
Loan servicing, payments, escrow account
NaN
NaN
NaN
U.S. Bancorp
CA
92591
NaN
NaN
Referral
07/31/2013
Closed with monetary relief
Yes
No
469632
26
2013-07-29
Mortgage
Conventional adjustable mortgage (ARM)
Application, originator, mortgage broker
NaN
NaN
NaN
Bank of America
IL
60443
NaN
NaN
Web
08/01/2013
Closed with explanation
Yes
No
469173
28
2013-07-29
Credit reporting
NaN
Incorrect information on credit report
Public record
NaN
NaN
Equifax
CA
91605
NaN
NaN
Web
07/29/2013
Closed with non-monetary relief
Yes
No
469201
29
2013-07-29
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt was paid
NaN
NaN
Northland Group, Inc.
FL
32233
Servicemember
NaN
Referral
08/01/2013
Closed with explanation
Yes
No
469252
30
2013-07-29
Mortgage
Other mortgage
Loan modification,collection,foreclosure
NaN
NaN
NaN
SunTrust Banks, Inc.
FL
32084
NaN
NaN
Referral
08/02/2013
Closed with non-monetary relief
Yes
No
469863
31
2013-07-29
Mortgage
Conventional adjustable mortgage (ARM)
Loan modification,collection,foreclosure
NaN
NaN
NaN
Bank of America
FL
33234
NaN
NaN
Web
07/30/2013
Closed with non-monetary relief
Yes
No
469255
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
713062
2016-11-14
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt is not mine
NaN
NaN
FirstCollect, Inc.
DE
199XX
NaN
NaN
Web
01/10/2017
Closed with explanation
No
NaN
2206199
713112
2017-01-25
Debt collection
Other (i.e. phone, health club, etc.)
False statements or representation
Attempted to collect wrong amount
NaN
Company believes the complaint is the result o...
WILKINSON LAW FIRM, P.C.
MS
39083
NaN
Consent not provided
Web
01/25/2017
Closed with explanation
No
NaN
2309432
713160
2016-12-15
Debt collection
Medical
Disclosure verification of debt
Not given enough info to verify debt
NaN
Company has responded to the consumer and the ...
Grace Recovery Services, Inc.
OH
44062
NaN
Consent not provided
Web
12/15/2016
Closed with explanation
Yes
No
2251242
713167
2016-10-05
Mortgage
VA mortgage
Loan servicing, payments, escrow account
NaN
NaN
Company believes the complaint is the result o...
Henry Andrew Schmidt III
CA
95691
NaN
NaN
Postal mail
12/15/2016
Closed with explanation
Yes
No
2147854
713242
2016-10-28
Consumer Loan
Title loan
Charged fees or interest I didn't expect
NaN
NaN
NaN
1 Stop Money Centers, LLC
AZ
85140
NaN
NaN
Web
01/30/2017
Closed with explanation
Yes
NaN
2184609
713591
2017-02-01
Bank account or service
Checking account
Deposits and withdrawals
NaN
NaN
Company has responded to the consumer and the ...
Bremer Bank, National Association
WI
54017
NaN
Consent not provided
Web
02/01/2017
Closed with explanation
Yes
NaN
2322070
713705
2016-12-01
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt is not mine
NaN
NaN
Routhmeir Sterling Inc.
OR
974XX
NaN
NaN
Web
01/12/2017
Closed with explanation
No
Yes
2231697
713816
2016-11-15
Consumer Loan
Installment loan
Taking out the loan or lease
NaN
NaN
NaN
Blue Global Media, Inc.
SC
29928
Older American
Consent not provided
Web
12/17/2016
Untimely response
No
NaN
2209919
713819
2017-02-13
Debt collection
Credit card
Cont'd attempts collect debt not owed
Debt was paid
NaN
Company believes it acted appropriately as aut...
Harris Beach PLLC
NY
11212
NaN
NaN
Phone
02/13/2017
Closed with explanation
Yes
NaN
2341881
713829
2017-01-20
Credit reporting
NaN
Incorrect information on credit report
Information is not mine
NaN
NaN
Charleston Area Medical Center, Inc.
WV
253XX
NaN
NaN
Web
01/30/2017
Untimely response
No
NaN
2299767
713912
2016-11-04
Debt collection
Other (i.e. phone, health club, etc.)
Cont'd attempts collect debt not owed
Debt is not mine
I lived in a Apt Complex - ( XXXX XXXX XXXX )....
NaN
Capstone Credit & Collection, LLC.
FL
336XX
NaN
Consent provided
Web
11/04/2016
Closed
No
NaN
2197142
713936
2017-01-24
Bank account or service
Other bank product/service
Account opening, closing, or management
NaN
NaN
Company has responded to the consumer and the ...
Great Western Bancorp, Inc.
SD
57110
Servicemember
NaN
Postal mail
02/07/2017
Closed with explanation
Yes
NaN
2307322
714018
2016-12-01
Mortgage
Other mortgage
Application, originator, mortgage broker
NaN
NaN
NaN
Posh RE Mortgage Corp.
CA
928XX
NaN
NaN
Web
01/30/2017
Untimely response
No
NaN
2231685
714085
2017-01-30
Debt collection
Other (i.e. phone, health club, etc.)
Disclosure verification of debt
Not given enough info to verify debt
NaN
NaN
Paris and Paris, LLP
CA
951XX
NaN
NaN
Web
01/30/2017
Untimely response
No
NaN
2318660
714364
2016-12-07
Student loan
Federal student loan servicing
Dealing with my lender or servicer
Received bad information about my loan
This student loan has been in deferment and in...
Company has responded to the consumer and the ...
College Foundation, Inc.
NC
282XX
NaN
Consent provided
Web
01/24/2017
Closed with explanation
Yes
NaN
2239485
714596
2016-12-17
Debt collection
Medical
Cont'd attempts collect debt not owed
Debt is not mine
NaN
NaN
Bonded Collections of Rice Lake Inc
WI
54762
NaN
Consent not provided
Web
12/17/2016
Closed with explanation
No
NaN
2254402
714628
2017-01-23
Debt collection
Auto
Cont'd attempts collect debt not owed
Debt is not mine
I have been contacted by this company multiple...
Company has responded to the consumer and the ...
Jormandy, LLC
VA
221XX
NaN
Consent provided
Web
01/23/2017
Closed with explanation
Yes
Yes
2306970
714638
2017-01-24
Debt collection
Other (i.e. phone, health club, etc.)
Taking/threatening an illegal action
Sued where didn't live/sign for debt
Delev law is currently working an account on b...
Company believes it acted appropriately as aut...
Delev & Associates, LLC
OH
431XX
NaN
Consent provided
Web
01/24/2017
Closed with explanation
Yes
NaN
2307673
714654
2017-01-30
Debt collection
I do not know
Disclosure verification of debt
Right to dispute notice not received
NaN
NaN
Activity Collection Service
IN
46324
NaN
NaN
Web
01/30/2017
Untimely response
No
NaN
2317057
714709
2017-01-05
Consumer Loan
Installment loan
Problems when you are unable to pay
NaN
NaN
Company believes the complaint is the result o...
Hawk Inc
SC
29209
Older American
Other
Web
02/07/2017
Closed with explanation
Yes
NaN
2276974
714717
2016-12-21
Money transfers
Domestic (US) money transfer
Money was not available when promised
NaN
NaN
NaN
Square One Financial, LLC
CA
921XX
Servicemember
NaN
Web
01/30/2017
Untimely response
No
NaN
2260014
715796
2016-12-04
Debt collection
I do not know
Disclosure verification of debt
Not given enough info to verify debt
NaN
Company believes it acted appropriately as aut...
LPH, Inc.
CA
94915
NaN
Consent not provided
Web
02/16/2017
Closed with explanation
Yes
NaN
2234857
716039
2017-01-02
Consumer Loan
Vehicle loan
Problems when you are unable to pay
NaN
NaN
NaN
Auto Advantage Finance, LLC
OK
731XX
NaN
NaN
Web
01/31/2017
Untimely response
No
NaN
2271139
716225
2016-12-18
Mortgage
Reverse mortgage
Application, originator, mortgage broker
NaN
NaN
Company believes it acted appropriately as aut...
Benn Realty Services, Inc.
CA
95492
Older American
Consent not provided
Web
02/02/2017
Closed with explanation
Yes
Yes
2254368
717670
2016-09-13
Consumer Loan
Installment loan
Problems when you are unable to pay
NaN
NaN
Company has responded to the consumer and the ...
Sibbett Auto Sales LLC
NC
284XX
Servicemember
Other
Web
02/13/2017
Closed
Yes
NaN
2109760
719674
2017-01-29
Debt collection
I do not know
Disclosure verification of debt
Not given enough info to verify debt
NaN
Company believes it acted appropriately as aut...
Infinity Capital Group
TX
75137
NaN
Consent not provided
Web
02/02/2017
Closed with explanation
Yes
NaN
2316728
721910
2016-12-12
Mortgage
FHA mortgage
Application, originator, mortgage broker
NaN
NaN
NaN
LN Capital Corporation
NY
105XX
NaN
NaN
Web
01/31/2017
Untimely response
No
NaN
2245932
727499
2016-11-18
Consumer Loan
Vehicle loan
Problems when you are unable to pay
NaN
NaN
NaN
Innovate Managed Holdings, LLC
FL
33486
NaN
Consent not provided
Web
11/24/2016
Closed with explanation
No
Yes
2215493
727576
2017-01-25
Debt collection
Mortgage
False statements or representation
Indicated shouldn't respond to lawsuit
NaN
NaN
Select Financial Services, Inc.
NY
126XX
NaN
NaN
Web
01/25/2017
Untimely response
No
NaN
2308470
728390
2017-02-01
Debt collection
Other (i.e. phone, health club, etc.)
Improper contact or sharing of info
Talked to a third party about my debt
NaN
Company has responded to the consumer and the ...
B&F Finance Corp.
TX
76537
NaN
Consent not provided
Web
02/08/2017
Closed with explanation
Yes
NaN
2322865
14967 rows × 18 columns
In [59]:
filter(lambda x: 'XXXX' not in x, complaints[complaints['Consumer complaint narrative'].notnull()]['Consumer complaint narrative'])
Out[59]:
['Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.',
"I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you",
"I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business. \n",
'After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. \n',
'I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that. \n',
'Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. \n\nThey are also trying to collect on debt that is past its statute of limitations. \n',
"I am a victim of a parked debt bought by a debt collection company. The problem is the company is reporting the debt as open recently, it 's not. This is illegal and that 's the reason for my complaint. \n",
"I find this medical debt reported on my credit report, but I do not remember ever owing a bill with a remaining balance of {$7.00}. It looks like the company dated the opening of this debt XX/XX/2010. I looked for the collection company on line, but it is as though it does n't exist. It appears to have impact on my credit score. I am willing to pay it if I could get an itemized bill showing the date of the procedure and when and what my medical insurance company reports about it. Also, if the company no longer exist, IT WILL NEED TO BE REMOVE FROM MY CREDIT REPORT. My complaint is that this company has not sent me a bill showing the details of my so called debt, but has reported to the credit bureau that I owe this debt. This is harming my credit score and it is not making it 's contact information available to me. How am I to clear up my credit report if this company does n't exist, but they have reported that I owe a debt that I have no explanation for? \n",
'This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. \n\nThe reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY! \n',
'We had a Line of Credit with US Bank that was included in our 2013 Bankruptcy and has been charged off by the bank. We are trying to sell our house and the bank is giving us the run around about releasing the Deed of Trust in the county records. This is obstructing the sale of our property \n',
'I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company called my Human Resources person at work telling them that I owed them money, and that they wanted to serve me court papers at work. \n',
"One the customer service representative lied and stated that I was current on my payment in which I was n't which caused me to be a week begind. Two, they contact me repeatedly even after I tell them when I 'm going to make a payment.",
'This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'HiThis is regarding to a money transfer request done by me thru Remitly. \nThe money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this \n',
'I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify \'\' when the debts are not mine!! \n',
'Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm. \n',
"i contacted the collection company by writing, phone many of times to verify the debt. they stated i wrote a bad check inwich i obtained records from the bank that there is no ' bad check '. they will not send me any type of verification, they keep sending me statments that i owe the debt.under the laws i thought they have to send me evidence? \n",
'My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports. \n',
'I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy. \n',
'I never open an account with this company. \n',
'I have informed them. I live in California only. No Georgia state nor any other state. \nThey have me living in Georgia in my personal information was added. \n',
"I have n't able to get a report from Experian even after calling 3 times. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore. \n',
"I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. \n\nAdditionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. \n\nThe statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). \n\nI attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices. \n",
'Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations. \n',
'I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it. \n',
'OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED. \n',
'I have paid this debt 2 times and sent several collection agency proof of paid but I still get letters every year. \n',
"I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people. \n",
'TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist. \n',
'This isnt my debt \n',
'Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. \'\' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all. \n',
'Champion Mortgage is not processing a short sale request in adequate fashion. \n',
'Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid. \n',
'I received letters and a phone call from a debt collector for a debt that is not mine. \n',
'We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open. \n',
'I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n',
'My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much. \n',
'this creditor is harrassaing me on my job. they are taking money out my account. sending legal papers',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'THIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines! \n',
'I filed bankruptcy and to my knowledge this loan was giving to another agency and is listed as closed on my credit report. I battled back and forth with mohela about the loan, now they are trying to sue me. \n',
'Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here. \n',
'Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records \'\' the claim was valid. I asked for such " records \'\' and they told me they had no way of providing them to me. That to me was unacceptable. \n',
'I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court. \n',
'I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.',
'I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID. \n',
'Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks! \n',
'I was a care credit consumer which got a credit card for my dental work. I was misled about the terms and just found out that they may have tried to contact me to no avail for the lawsuit. I paid thousands. \n',
'I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance \'\' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n',
'Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information. \n',
'Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided. \n',
'MY BANK RECORDS FROM ASTORIA BANK WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY \n',
'My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. \nI have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor \n',
'PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo. \n',
'I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent. \n\nI am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line. \n',
'Alleged moneys owed to several credit cards back from XX/XX/2005. BK filled. \n',
"I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there. \n",
"Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound. \n",
"Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments. \n",
'I attempted to contact the the company via phone to validate the debt, however, the company was not able to provide me with any information in refer to account. \n',
'American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location \'\'. \n',
'I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money. \n',
'I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n\'t want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit. \n',
'I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit. \n',
"I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices. \n",
'They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue. \n',
'TD Bank is and has been improperly charging services fees to a checking account. \n',
"My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me. \n",
'I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. \n\nAbout a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs \'\', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n\'t received any check from Discover regarding my rewards. \n\nI respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. \n',
'Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me. \n',
"I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. \n\nThere was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all. \n",
"I do n't what come from \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate. \n',
'I was never contacted about debt from debt collector and was placed on my credit \n',
'I have negative items on my credit that doesnt belong to me \n',
'I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted. \n',
'on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone \n',
"I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help. \n",
'Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. \nThey have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. \nWe have asked them for original documents and they can not provide them. \nThey always send some form of excuse. I am tired of every year they are always increasing our payment. \nThey keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough. \n',
"I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house. \n",
'I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE. \n',
'Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense. \n',
'OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME \n',
"I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work. \n",
'Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done. \n',
'Turned down for a VA loan by loan officer at price financial services. \n',
'Experian Credit reporting. I filed 30 complaints on this stuff and here is shows up again. Serious Delinquency, past due and other negative information. \n',
"I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices. \n",
'Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification \n',
'I revoked my ACH authorization because this company is charging me fees ( {$250.00} ) biweekly which they did not disclose to me, and are misrepresenting their interest rate. They showed me a contract with significantly different terms on it and then claimed that I signed a contract with entirely different terms. They refuse to provide me with a copy of this contract, never gave me a written copy of this contract as promised and refuse to disclose a breakdown of how much they claim I owe or of my payment history etc. \n\nI want to pay the amount that I borrowed MINUS fees & grossly misrepresented interest charges. I am willing to pursue this legally if the company will not accept this as settlement for this loan. \n\nI ask that this company NOT CONTACT MY EMPLOYER, REFERENCES, etc BUT THEY HAVE AND WILL NOT STOP. \n',
'I was notified by a family friend that this person called him and said that it was important that I get in touch with them. When I called it was Dynamic Recovery Solutions and I have NEVER received any call letter or any direct communication from this company regarding a debt that supposedly owe to them. I think they are using embarrassing tactics to get people to call them by calling friends and family members, really? this is invasion of privacy. In, addition to the fact that they have not sent me any communication notifying of my rights regarding this supposed debt that I know nothing about. \n',
'I have completed all payments, but it still shows as an open collection on my credit report. \n',
'Calling for someone that does not live with me and never has. \n',
'We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment. \n',
"When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's. \n",
'I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap \n',
'I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n\'t and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify \'\' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That \'s what identity theft is, the use of a person \'s identity, personal information and anything else that is used to identify a person. If there was n\'t this use, it would be called something else. I \'ve attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it. \nPlease assist me to remove this fraudulent account from my credit report. Thank you. \n',
'During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present? \n',
'I have disputed the information with Equifax ; I am waiting for their investigation. \n',
'I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT \n',
"My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time. \n",
'Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan. \n',
'My wife and I have a joint auto loan with Santander. They have placed late payment notices on our credit reports and payments on the loan were made on time. We have contacted Santander about the problem and have disputed the reports, but have gotten no satisfaction. We went as far as sending Santander bank receipts of the on time payments but they refuse to correct the problem. \n',
'It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.',
'My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop. \n',
"My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. \nAnd is now reflecting as a collection account on my credit report. \n",
"My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. \nAnd is now reflecting as a collection account on my credit report. \n",
'I am victim of fraud and someone stole my identity and got a cell phone in my name and i want my name to be clear up, Its sad i have to keep going thru this non sense \n',
'Convergent calls and sends letters stating that I owe money on a phone bill when the phone company says I do not. \n',
'In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information. \n',
'This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information \n',
'debt was discharged when home was foreclosed on over 8 years ago \n',
'Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me. \n',
'United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property. \n',
"I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed. \n",
'They are stating I was billed and NEVER did I receive a bill from neither the collection agency or the actual doctor and this is affecting my credit! \n',
'They said the ss number belongs to me \n',
'I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. \nThey have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them. \n',
'Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank. \n',
'One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this. \n',
'BANK OF AMERICA MODIFIED MY LOAN IN 2012. AFTER PAYING FOR 10 MONTHS THEY DECIDED I WAS IN FORECLOSURE, TOLD ME NOT TO MAKE MORE PAYMENTS. WHEN I ASKED WHY THIS WAS HAPPENING, NO ONE WAS ABLE TO TELL ME WHERE THE ERROR WAS AND HAVE REFUSED TO HELP ME. \n',
'AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report. \n',
"After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name \n",
'they did jail me for failure to answer interogitories that they already had answers to and they brought the suit without legal standing due to the time elapsed they keep changeing agencys to subvert the law on deadlines they have attatched exempted funds and although the amount showing paid is more than the original owed 12 years ago they still say they are owed more the humiliation of a night in jail is worth more then any amount they can conjure with their creative accounting. \n',
'PNC recently informed me that they made a " business decision \'\' to close my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : PNC has determined to close my performance spend and virtual wallet spend accounts through no fault of my own, I am left with serious concerns in that the {$300.00} promotional offer which was offered to me in exchange for opening said accounts and meeting certain conditions will not be honored and I believe that PNC has elected to close my accounts with the specific intention to avoid paying out on the advertised promotional offer. I will add that the subject {$300.00} promotional offer extended to me had several conditions which were required for the account holder to qualify for the promotional payment including : 1. The checking account must be opened at the branch using the appropriate flyer ( attached ) between XX/XX/2015-XX/XX/2015 to qualify for the {$100.00}, {$200.00}, {$300.00} reward. A qualifying direct deposit must be received and 1 payment must be completed via PNC online bill pay within 60 days of account opening. \n2.The total amount of all qualifying direct deposits credited to your performance select or the spend account of your virtual wallet with performance select must be at least {$5000.00} to active the {$300.00} promotional payment I fulfilled all of the required obligations outlined above to meet the conditional requirements outlined by PNC under the terms and conditions to qualify for the {$300.00} promotional offer, curiously however PNC only credited my account with {$75.00} which is an amount below even the lowest promotional offer specified on the {$100.00}, {$200.00}, {$300.00} promotion. Upon which time I notified PNC of their error with respect to the promotional payment it was suggested I open an internal dispute which PNC quickly dismissed. After I reopened the internal dispute to collect the remaining {$220.00} in promotional offers which are rightfully owed to me, PNC then informed me that my account was downgraded and in the process of being closed which appears to be an action taken as direct retaliation for my instance that PNC honor the promotional agreement. Denial of full payment on the promotional offer is ill advised, unethical, fraudulent and entirely unacceptable behavior which will not be tolerated. \n\nPNC \'s actions with respect to the aforementioned account closures & denial of promotional payment constitute fraud in the inducement, fraud in the factum, bait and switch and failure of specific performance related to the terms and conditions of the promotional offer which all parties expressly agreed to be bound by and was the basis for the bargain at the time of account opening. \n\nTo allow me to complete all of my responsibilities with respect to the promotional offer and then arbitrarily determine to close the accounts to avoid payment is a procedural and substantive unconscionability on PNC \'s part. Under common law an offer can not be revoked after it has been accepted. Furthermore in this instance performance remains and consideration exists so PNC has a duty and obligation to pay the full amount of the promotional offer. Moreover PNC \'s failure to pay the full promotional offer for which I had fully qualified for and PNC \'s refusal to state a valid reason for account closure constitutes bad faith as it would appear that the account was closed solely with the intention of depriving the account holder of the promotional payment. \n\nIt is undisputed that a valid contract exists and PNC has a good faith obligation to honor the contract and to provide payment in full on the promotional offer. \n',
'Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service. \n',
'I was convinced to transfer money to someone in return for products but have not heard from this person since. I believe it was a scam. \n',
'I have a loan that is being serviced by ocwen loan sevicing. I have made all my payments on time. My loan to value ratio is about 65 %. I have made many written requests and verbal requests to ocwen to start the process of canceling my mortgage insurance. I have received the run around by there customer service and have gotton nowhere. They have no contact information and are not willing to help me when I am the customer. It feels like a scam they are pulling on homeowners. Please help \n',
"I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks \n",
'This account that i do not recognize was opened as a result of identity theft and needs to be removed immediately., continued reporting/collection of an account that was opened of because fraud \n',
'I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed \n',
'I verbally asked Asset Recovery to remove my work phone number and to cease calling me at my work however they have continued to call me at work. \n',
'We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified. \n',
'I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate? \n',
'I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT \n',
"Received a phone call stating some lawyers had bought my debt and those lawyers were suing me, garnishing my wages, suspending my driver 's license, and taking possession of all my property. \n\nThey also contacted my Mom before me. They stated I could resolve this by getting {$3500.00} to them immediately. Luckily, I could n't find anyone with that money. I called back stating that I do not have that money. They did call back stating they have found a way to help, but I have n't called back yet. \n\nI did contact the original company where I took out the loan to work out a payment plan. \n\nI would like to know how they got all of my information ... including my Mom 's phone number. \n",
'ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. \nIt needs to be removed at once/ \n',
'I was in a bind and took out a loan with CastlePayday.com, which is actually Red Rock Tribal lending. When I applied someone called me immediately and rushed me through the process of the loan. After reading some things about this company online i realized ... ..Oh no, i better go print my papers. I log into my account online and it reads loan amount {$800.00}, Finance Charge {$280.00}, pay off balance {$1000.00}. I print the contract and it says finance charge of {$6000.00} and annual percentage rate of 787.4136 %, total pay off {$6800.00}. HOW IN THE WORLD. So I immediately contact the company and revoke my ACH and they tell me that they will now remotely-create a check and send it to my bank for payment because i dont have the full {$1000.00} to pay on payday. I dont know what to do. The contract states that this is a tribal loan and i have basically given up all my rights. \n',
"HI I fell behind on my mortgage payment I 've been trying to work out a plan to get caught up every time a plan is made I do what the company ask the next time I go to make a payment they tell me we have to start plan over i ca n't seem to talk to a supervisor or anyone to explain or get ant answers I 'm told they 're not available it is really stressful trying to get answers and you ca n't \n",
'A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them. \n',
'Not my account \n',
"I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification \n",
'My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages. \n',
'they are charging me more than i owed. \n',
'My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue. \n',
'Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. \n\nI would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this. \n',
'Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address \'\' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. \nThe collector also would not release any information about their agency. \n',
'Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute. \n',
'EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information. \n',
'I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out \'\' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out \'\' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence. \n',
'Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. \n\nThey charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. \n\nIn addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. \n\nThanks! \n',
'This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file. \n',
"We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period. \n",
'This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter. \n',
'Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong. \n',
'Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at. \n',
"I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights. \n",
'This debt collect continues to report false information for a debt I do not owe. \n',
"My escrow payment increased significantly from one month to another without warning. I still do n't understand why this issue could have been avoided. After several calls to my mortgage company Castle & Cooke I remain confused with the lack of customer service provided. \n",
'Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder. \n',
'This account is over 7 years old and is still being reported \n',
'A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge. \n',
"Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I have never applied for credit with this company. My personal information is being used by someone i have not given permission to do this. \n',
"I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter. \n",
'I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc.. \n',
'it was something I never opened \n',
'Most if not all accounts in question are paid off, and closed, yet the credit reports not showing this, which cause my credit score to remain very low. \n',
'I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ... \n',
"i recieved a call from someone claiming to be from a law firm. threatening to sue me which i never recieve any written lettter or know any about the company that is trying sue meor anything..they claim i owe debt with a company i 've never dealt with .... \n",
"I 'm being given the run around for over a week. \nOver a week and still can not access my mortgage account online. \nPennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues. \n",
'I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file \n',
'Continued attempts to collect a debt from id theft and negative credit reporting \n',
'I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit. \n',
'Lending Club led me to believe that my loan had been approved when in actuality it had not. They continued to request documents, to the point where I realized they had never approved it to start with. Yet one week ago when I applied, their website stated " Your {$1200.00} loan is on its way. \'\' This is deceptive as there was never a " loan on its way. \'\'',
'Continuous phone calls every day. Please stop the harassment. May contact me by mail only \n',
'I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR \n',
"I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back? \n",
'Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone. \n',
'I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. ) \n',
'I received the attached scam email regarding a payday loan that I never took out. \n',
'I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial \'s behalf over a {$510.00} fee associated with the lease return. \n\nToyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. \n\nI told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden \'\' or " surprise fee \'\'. They insisted they could n\'t remove the collection from my record because they would n\'t be in compliance with the CFPB. \n\nMy desired outcome is to have Toyota Financial remove the collection from my record. I \'m willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges. \n',
"My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. \n\nThe new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. \n\nWe 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. \n\nTo date, we 've received no respond at all from Green Tree on this issue. \n",
'Toyota Financial Services does not allow a person to pay additional money towards the principal and applies the money to future payments. A representative stated that a person has to send a separate check to a different address to pay off the principal. This procedure is not mentioned in loan documents or the monthly statement. I find this business practice to be deceiving, unreasonable, and a disservice to the customer. \n',
'I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. \n\nThey said they sold the account and have not records to proved the amount or details of accounting of this debt. \n\nIf they do not have any documentation contract, billing etc then they are in violation',
'I AM GETTING REPEATED PHONE CALLS TO MY JOB \n',
'I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation \'\' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you \'\' letter for servicing my loan when it was sold. \nIt was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you \'\' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter .... \n',
'This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening. \n',
'Transition blocked me from getting report and credit score. It asks to verify auto loans and bank accounts I never had prior to giving access. There must be identiy theft of my account. \n',
'Experian deleted a paid off school loan it always reported to illegally lower my credit score \n',
'Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake. \n',
'Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work! \n',
'I was doing fine until ... .. \nI have a 4.875 % and put in the application for a home mod thru Nationstar Mort Co. \nThey told me I would have to go thru a FHA trial period for 4 months. They dropped my payment {$80.00}. After about 4 months they then told me I would be on a 4 % so that was bringing me down .875 %. I told them to cancel. I then made my regular payments. They sent me a check for {$300.00} and I called and was told that it was escrow money. I cashed it. About 3 weeks later I received a check for {$1700.00} and I told the wife that escrow must have been way over. so I cashed it. Now I am a month behind and they are charging me a late charge. I can not refinance or do anything until I make a double payment including late charges that are building up each month. I spent hours on the phone finally getting to the person that is capable of making decisions and they said they would call me with a decision. They did not call or respond in any way. If anyone has anything to do with Nationstar Mort Co. " Please beware \'\' \n',
'There is a hard inquery on my credit report that I did not appl for \n',
'Call repeatedly. When phone is answered they disconnect ... then will call again later ... multiple times daily. No collections outstanding. \n',
'i am not able to log into my account online. If i enter a user id it says that it is used, but i can not get access from the system \n',
'Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? \nDoes the law limit this action which does not seem to serve the consumer? \nVisa posts in 24 hours. \nPlease advise. \n',
'Apartment I lease was ended due to bed bugs \n',
"Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask. \n",
'I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file. \n',
'Worldwide recovery in california has been harassing me continuously at my work and calling my cell phone. They have gone as far as to tell my employer that they are sending someone to arrest me at my work if i do not contact them. I have asked for them to send me information in the mail and they refused. I want them to stop harrasing me. If i owe a debt snd me a letter with proof and we can work something out. \n',
'I get numerous calls everyday from www.simmassociates.com. \nOver the last year and a half I have worked and negotiated all but a few of my credit cards. \nThose I have kept are in good standing. \nThis company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. \nThey need to stop. they will not listen to anything the consumer says and are harassing on the phone. \n',
'Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned. \n',
'Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause? \n',
"My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates. \n",
'This debt was paid dont owe need this off my credit \n',
'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 ). \n',
'They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all three credit agencies due to fraud as well as multiple incorrect entries. \n',
'I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call. \n',
'I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus. \n',
'I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company \n',
'this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it. \n',
'they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid. \n',
'A company pulled my Equifax credit report illegally. They worked with me and told me that the request has been sent to have the hard inquiry removed. It has been more than 30 days and has not been removed. Equifax thus far has refused to investigate any credit inquiries despite their legality and claims that no such removal request was sent from the company that pulled it. \n',
'I have been getting the run around from Wells Fargo for years. I submitted a complaint to your office over a year ago and they began working with me in hopes of getting a loan modification ( after already giving them over {$32000.00} towards a modification, that they are now telling me was used for " fees \'\'. I have submitted my paperwork and financial information to them over 20 times. My case was supposed escalated to Wells Fargo \'s " president \'s office " and assigned a special rep to help get this resolved after my first complaint- but that eventually led nowhere and I was told I did not have options and I should consider a short sale, which I did not want, I have always wanted to keep and could afford modified payments- now they are beginning to foreclose. This is disgusting that they have been able to do this and my home will be foreclosed upon when I can in fact afford a payment. Additionally, my {$25000.00} loan is now at {$500000.00} because of all the fees they have tagged onto my original loan ... .please help! \n',
"I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help. \n",
'False representation and information given. Did not received verification or notice of right before paid to both account. \n',
'I have no idea what this debt is please provide original documents showing the validity of this debt \n',
"I had tried to secure a mortgage loan from southern Fidelity Mortgage. I found a house that I liked and we proceeded with the loan approval process. I told them that my credit was n't very good and I told them I had collections. She told me they would either just deny the loan or ask me to pay the collections. Well later they told me the loan was approved but that I needed to pay off the collections. Well I told her I would have a tough time raising the down payment money and closing cost if they needed that paid off. Well they told me that if I backed out now I would lose my earnest money because the loan was approved. Not the original loan but the one they came up with all these conditions. \n",
'Bill paid by insurance please remove this from my credit report. \n',
'I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now. \n',
"I keep getting calls from debt company 's even after I change my phone number they get it and call me \n",
'I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month \n',
"banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work. \n",
'The debt belongs to my son and they refuse to remove it from my credit bureau information \n',
'American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions. \n',
'The debt was paid in 2014 but continues to show as being owed on my credit report \n',
'The account was paid but my credit report has not been updated. \n',
'Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account. \n',
'Company consistently contacting regarding payments yet are posting payments incorrectly. \n',
'Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof. \n',
"Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement. \n",
'I was not properly notified about the lawsuit or garnishment. \n',
'Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable. \n',
'I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available. \n',
'Received a mailer with bogus information and quite illegal according to required state guidelines. \n',
'Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle. \n',
'customer service associate was horribly rude. \n',
'This creditor Santander is reporting a auto collection account I would like verification of debt \n',
'calling day after day even though I have tried to work with them to settle the debt \n',
'We contacted Midland Credit Management to settle outstanding credit card debt, which they purchase for the original creditor. Midland Credit Management sent us settlement letters, with settlement amounts. We purchased cashier checks in the amount requested and returned copies of their settlement letters with checks in the amount of the agreed settlement payments via certified mail. \n\nA few weeks later we were contacted by Midland Credit Management who stated we would need to pay the settle amounts again, because payment was not received in a timely manner. \n\nIn good faith we made payments as Midland Credit Management requested and still we continue to receive phone calls and letters. \n\nMidland Credit Management did not return the payments and is refusing to show the debt as paid to the credit agencies. \n',
'there are several acoounts to whichi have no ideazn of the balance or company name \n',
'I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all. \n',
'This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report \n',
'The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. \nThe complaints was not proper verified and notarized. \nThe Assigment of mortgage have comflicting information. \n',
'Contacting my father and other family memebers on theirr cell phones and at their jobs. They have never mailed anything to verify the debt. \n',
'Im trying to get my free annual report and its not letting me \n',
'Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted. \n',
'Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit. \n',
'The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount. \n',
'This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment. \n',
'I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items. \n',
'I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years. \n',
'I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n\'t know what dispute means \'\' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n\'t have time to talk to people like you \'\'. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues \'\' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation. \n',
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
'i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation \n',
'I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job. \n',
"I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after. \n",
'I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment. \n',
'I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me. \n',
"Ask my employer 's receptionist where to send garnishment paperwork. Faxed employer for requesting my personal information. Called me at work when I told them to call at home. \n",
"My mortgage originally was with G.M.A.C. mortgage services. G.M.A.C. filed bankruptcy and Owen loan servicing took over the servicing of the loan. They reported the mortgage for a period of 6 months and then closed the account showing that the loan was transferred to another lender when in-fact they were the company servicing the loan. At this point i have disputed this several times with no success. Ocwen, to this date still have n't shown the account open and it 's now been still showing closed on my credit file for a period of 13 months. I am never late but it has affected my credit score by them not showing that i have an open mortgage on my current credit file. I 'm totally frustrated with this situation and i know that other consumers are experiencing the same level of no service from Ocwen mortgage servicing. \n",
"We are applying to re-finance our home for the second time with Bank of America ( BOA ). However, we were rejected several months ago because the person assessing our property erroneously claimed that we were n't the home owners, even though we successfully re-financed the first time without difficulty using the same information. Instead of checking to make sure, BOA took the word of the property assessor and outright rejected us. After a month of complaining to BOA managers, they agreed to re-open our file and start the re-financing process over again. Then, just three weeks ago, we received another rejection letter stating that they could not verify employment, even though we had already provided them with the contact information of our company 's human resource, receptionist, and supervisor. Again, as we have stated before, we had not changed our work company since our first successful refinance. If BOA was able to verify our employment the first time, why were they not able to verify this time if none of the information has changed? We have since re-sent them the contact information of our employers about two weeks ago, but still no word. We are very frustrated over this drawn-out process and believe this is very irresponsible of BOA for doing shoddy work. We believe we are being discriminated against because we are borrowing under {$150000.00} and BOA does not want to process a loan that is so little, which is why they keep finding baseless excuses to reject us. We hope you can investigate this matter for us. Thank you so much for your time. \n",
'They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit. \n',
'They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit. \n',
'Incorrect name on credit report: \n',
'I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years. \n',
'This collection company has been properly notified both by mail and fax that the debt they report on my experian does not belong to me. They have been asked to show proof and can not. They have responded to zero request as a matter of fact. Thier phone number listed on the Internet is not valid and I have read horrible things about this same thing happened to thousands of people. It is amazing how little verification is given when C R As ask companies to verify and how much they ignore the law. \n',
'Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office \'\' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS. \n',
'Several request have been submitted to this agency and the credit agencies to validate and provide proof, nothing has been received nor any proof or validation of ownership. \n',
"Continuously calling my employer. I 'm not allowed personal phone calls and they call during work hours and after work hours. \n",
'unable to get a credit score have all positive items on my credit report. my score should be high. there is no score \n',
'I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n\'t know that I had. I called them and told them that I did n\'t know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n\'t " call back and make arrangements to pay the bill over the phone. \'\' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n\'t call us back to tell us the date you were paying. \'\' \n',
'I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed \n',
'incorrect information \n',
'I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card \n',
'I tried to make arrangements with a the hospital to pay this debt and was told no I could not make payments then I was contacted by a third party debt collector to set up payments and then it was put on my credit as a debt. I have made arrangements for monthly payments????? \n',
'Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call. \n',
'They have since day one abused Me as a consumer, they have taken more out in escrow and refused to correct it even after I showed proof. The recently they reported me late and stated in XX/XX/2014 they were starting foreclosure even though I was in a bankruptcy. This is inaccurate information and I have asked to have it changed and they have refused \n',
'debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law. \n',
"I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. \n\nI refuse to pay this bill because my child 's father is responsible for this bill. \n",
'I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials. \n',
"I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. \nIt 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account. \n",
'The attached complaint should be taken seriously by your agency, a debt buyer known as LVNV Funding LLC has been violating consumer rights for decades, and the CFPB should through the Federal Trade Commission take legal action against this company and the legal entities that work with them for the collection of debts that are simply no longer enforceable. \n',
"I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated. \n",
'Debt collection agency contacted my employer stating that they needed permission to serve process at my job. When I received the contact information of this agency I called them and was informed that they contacted my employer because they would be garnishing my wages at the maximum amount that the state statutes allows. I inquired as to whether or not the agency had received a judgement allowing such and their representative stated that they were beginning legal actions and that no such judgement had been entered. \n',
'The company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act \'\' or " the company agreed to delete the account for payment, after the fact they said they will not delete the account and therefore violating our original agreement \'\'. \n',
"I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know. \n",
'Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments. \n',
'I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed. \n',
'CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report. \n',
'I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt. \n',
'I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance. \n',
'I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP \n',
'I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve. \n',
'I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve. \n',
'Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. \n\nI am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it. \n',
"I started getting denial letters from creditors and I pulled my credit report and I notice some inquires on my credit report that do n't belong to me. \n",
"My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against Experian. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report. \n",
'Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. \nMoney has not been received, and I do not want to wait any longer for this money.Thank you. \n',
"I requested a credit report online from Experan. They show a false current address. I 'm not sure how to dispute or fix this. \n\nthanks \n",
'us bank decided to cancel the " last night free award \'\' benifit from this credit card account, which is the main selling point of this card, as well as the main reason that i am paying the annual fee for. A huge change of benifit with a such short time notice seems a marketing fraud to me. \n',
'The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. \'\' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether! \n',
'account belongs to son with same name different ssn and date of birth \n',
"I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us. \n",
'Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I \'ve talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! \nI felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it! \n',
"I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section. \n",
'We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan. \n',
'Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court. \n',
'I have been a victim of fraud and I want to stop the money from going thru. \n',
'The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me. \n',
'I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed \n',
'I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information. \n',
'Wells Fargo \'s informed me that they made a " business decision \'\' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated. \n',
'A request has been made to a collection agency National Credit Systems to validate a item listed on my personal credit file. Nothing has been received to validate this. Request help from your agency \n',
'I sent a letter XX/XX/2015 questioning my credit report and some of the accounts reporting. They sent me a letter basically calling me a liar and saying my letter was suspicious which make no sense as I followed the directions on their web site and included copies of my military ID, drivers license, social security number. \n',
'I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available. \n',
'I have contacted Santander USA regarding surrendering my automobile. What I receive instead is harassing calls ever since. The calls have gone to my employer even though I have spoken to them daily about picking up the automobile. \n',
'I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it \n',
'I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. \nCiti Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!! \n',
'Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week \n',
'Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes \n',
'I called them after disputing the info that was incorrect on my report and they said it was correct. \nAnd that they would not allow me to dispute the information again even though it is incorrect. \n',
'I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace \n',
'CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me. \n',
'Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name. \n',
'My mortgage lender and mortgage loan servicing bank, both Flagstar Bank, has mismanaged my home loan escrow account to the extent that they are raising my monthly payment by {$190.00} per month after lowering it by {$100.00} just last year. This is a 6.6 % increase in my monthly payment on what is supposed to be a fixed interest therefore fixed payment! Their failure to adequately manage my loan has led to a {$1300.00} shortage in my escrow account, which they are paid to manage and maintain the balances needed to pay insurance and taxes. The bank clearly does not know how to manage an escrow account. \n',
'After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met. \n',
'Midland keeps reporting on all three of my credit reports that I owe them money. I do owe them any money. I do not owe any credit cards that they have bought. \n',
'No heath care bill is owed to anyone, this is false and no verification was ever provided \n',
'We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee. \n',
'Received calls from " Bryant Bryant and Associates \'\' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n\'t need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones. \n',
'they call my cell phone my work phone constantly saying my social security number has complaints against it they want a legal statement or they will take me to jail. i dont even know what this is about. \n',
'Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that. \n',
'Debt was paid by my insurance company after an auto accident \n',
'Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt. \n',
'They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed \n',
'The debt to Receivables Performance has been paid in full. The debt has been satisfied. \n',
'We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure. \n',
'My credit card company, Bank of America, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them. \n',
'Credit card company called me to inform of suspicious charges. When I called back, they could not verify my identify based on the information I gave. After further research, it was determined that someone had stolen my personal information. That person had called credit card company to report my card stolen and then opened a new account. They also changed the information on my account to include address and phone number. I was also told that they were able to change my mother \'s maiden name on the account. How can someone be allowed to change that? It is a fixed value. The company did not raise any red flags that fraud was occurring and this should have been their first clue. I was assured that " rigorous \'\' security questioning occurs before any changes are made to the account. I placed a passcode on the account to add increased security per the representative. However, when I called back later in the day with additional questions, I was not asked for the passcode to verify my account - only asked my DOB. This is unacceptable security. \n',
'My credit report shows a couple past paid off Chase mortgage accounts as not being closed. I would like those to be updated to properly reflect the payoffs. Thank you. \n',
'i do not accept the answer they gave and wish to dispute their answer',
'Tried to refinance vehicle with Auto Pay and had a very bad experience. Company took a month and a half only to inform us that they could not refinance vehicle for us. Told us not to make anymore payments to current lender therefore now we are faced with late fees and racked up interest fees. Company has bad communication skills. Could never get in touch with them, they would not return calls or emails.',
'Ally/ National are calling me 4 times or more a day even on Sunday and Saturday from the moment I am 1 day behind and continue even after i make a payment. \n',
'HSBC sent me an email today telling me I had a statement ready to be viewed. I called HSBC and was told it was a savings account. When I called up I was told I had payment due in 8 days. They told me I owed {$2100.00} and there was nothing they could do for me. \n',
'I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing \n',
'Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification. \n',
'My credit report stated that i had loans that i never got. \n',
"TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this. \n",
'I am being harrassed on Continuous calls troughtout the day, at least 3 x per day \n',
'I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system \'\' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing \'\' the extra escrow monies. \n',
"I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing. \n",
'They are calling my parents threatening them with collection of my " unsettled \'\' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009. \n',
'Nations Star Mortgage forced placed additional flood insurance above mortgage balance. \nMortgage balance is approximately {$53000.00}, home incurance coverage A {$100000.00}, flood policy {$56000.00}. Mortgage company demanding flood insurance greater than mortgage balance, forcedplaced and charged my account. \n',
'I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information. \n',
'Unable to receive a breakdown of additional fees charged for reinstatement \n',
'This auto finance agreement was paid in full over 15 years and I would like the content removed from my credit report. \n',
'I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given. \n',
"Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping. \n",
'I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. \nUnable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. \nThe company has further stated, they ca n\'t understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine \'\'. \nAccording to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n\'t have any loans that was sold to this company. \nThey further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score. \n',
'To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful. \n',
'I Contacted Champion Mortgage to make payment arrangements on {$5300.00} and was informed this amount needed to be paid in full. I had been sending Champion {$240.00} for back taxes .I am unable to pay the full amount being requested. \n',
'I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone. \n',
'I want to open a savings account but can not. All my collections are more than 10 years old. Please remove any restrictions. \n',
"This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened. \n",
"Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you. \n",
"I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied. \n",
'I had several accounts with GE Capital they were all in good standing showing no late payments. Once synchrony took over they first lowered my limit and then after I paid the balances they close the account.This has drastically affected my credit score and I do notice through other complaints that this is a common practice with synchrony. I have other credit card companies and none of them have lowered any balance or close my account. \n',
"This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system. \n",
"I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act. \n",
"Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims \n",
'an amount on my credit report which is not in my name nor have I had a history with this company \n',
'I applied to for a modification of my loan and got approved for a monthly payment of {$2900.00} which is more than 31 % of my income. There was no explanation as to how the mortgage company got that figure or how the payment is going to be distributed. \nI can not afford that high payment and will like any help available. \n',
'Credit indebtedness had been satisfied and yet the credit card companies are reluctant to remove or change the status of my credit report. \n',
'Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. \n\nThis is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. \'\' \n',
'I am not sure what this debt is and have not received any communication from this compnay about this debt. My first knowledge is the credit report that I pulled up. \n',
'Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment. \n',
'I have never experienced a bank that " pends \'\' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending. \n',
'I have requested cancellation of FHA monthly mortgage insurance premium ( MIP ) on my mortgage loan, which is serviced by Nationstar. Cancellation is required under the law, because I have met all of the requirements under the law and regulations applicable to my mortgage loan. On several different occasions, I contacted customer service and requested confirmation that MIP would be eliminated once the LTV was brought to below 78 %. Each time I was sent a " PMI Cancellation Request \'\' form that purported to require me to authorize Nationstar to order an appraisal on my behalf at my expense. I refuse to consent to such an appraisal being ordered, as it is not necessary under my loan program. The pertinent regulations require cancellation once the LTV has dropped below 78 % of the purchase price. \n',
"These company 's make it to difficult to obtain a credit report with the questions they ask \n",
'I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right. \n',
'Although my refinance should have been a \'slam dunk \', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department \'\' go ignored. I \'m opening this complaint after several rounds of " phone tag \'\' and ignored emails. \n',
'Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them. \n',
"I have been disputing stuff on Experian credit report agency for almost a year. They They do n't respond in the timely manner. Disputes takes over 30days should remove from Experian credit report. At least that 's what the law indicates. I would like to escalate this problem on a bigger issue. report this agency. \nPlease help me in this matter as this is getting very annoying. My family is looking to buy a house and this is a burden on me. \n",
'I called United Auto Credit attempting to make a partial payment in the amount of {$120.00} on my brother \'s vehicle loan. United Auto Credit told me that they do n\'t accept partial payments. I asked the representative why they do n\'t accept partial payments and they said it was " policy. \'\' United Auto Credit apparently only accepts full payment or no payment at all. This is done to either collect the whole amount or add excessive fees and costs if one ca n\'t make the whole payment. United Auto Credit is engaging in unfair business practices by not accepting partial payments on accounts. United Auto Credit preys on people who have low credit scores and charges a high interest rate to those people in their loans. In addition, by not accepting partial payments United Auto Credit ensures that the interest amount that is added to the accounts stays higher than it would normally would if they accepted partial payments. \n',
"I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. \nShe said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information? \n",
'When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. \nI thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app. \n',
"I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit. \n",
"Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice! \n",
'FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it. \n',
'I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc. \n',
'I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information. \n',
'They took the car I do not owe them anything else. \n',
'Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed. \n',
"I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. \nI simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation. \n",
'could not get free credit report from Experian. \n',
"I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago. \n",
'This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified \'\'. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. \n',
'I would like a written explanation as to why I am being charged {$510.00}. \n',
'The collection agency reported several collection accounts on my credit report without providing any notices of verification of debts all in violation of the FDCPA and FCRA. \n',
'Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.',
'failing to accelerate the loan prior to initiating a foreclosure action. \n',
'I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes. \n',
"They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about. \n",
"There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved. \n",
'Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number. \n',
'I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record.. \n',
'PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care. \n',
'medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report \n',
'I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid. \n',
"They are calling for someone I have never heard of and wo n't stop calling. \n\nThey often disconnect the line after I answer the phone. \n",
"Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services. \n",
'I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION. \n',
'During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result. \n',
"A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments. \n",
'After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off. \n',
'Threatening calls at Work. \n',
'I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations. \n',
'THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT. \n',
'This company continues to report a paid debt to credit bureaus. I submitted proof of payment to the collection company and submitted dispute to thru the credit bureaus. This company refused to remove the information and continues to report on my credit report. \n',
"I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do. \n",
'i have disputed all of these items along with the inqiries and the credit bureaus did not address my issue. \n',
"I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone. \n",
'American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory. \n',
'I have a complaint with Ally Bank Automobile Loan. I have accrued late charges on a car loan totaling over {$130.00}. Each time I try to make the payment online, it is applied to the vehicle payment. I have called and they have told my to add to the vehicle payment. I have tried with no avail. They hung up on me during my last call even though I was pleasant but not understanding how the late charges work or are accrued. \n',
'Original amount of loan was {$21000.00}. I have been paying monthly amount steadily, yet current balance is {$24000.00} Interest is 5.78 % but seems to make no dent in amount of loan. \n',
'I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to. \n',
'this wasnt me \n',
'I would like to pay back my principal amount of {$1000.00} but Castle PayDay will not allow me to repay. \n',
'Unreasonable delays in mortgage modification. \n',
'1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. \n2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition. \n',
'I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request. \n',
"Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. \n\nI am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. \n\nPlease I need your help. \n",
'I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit. \n',
'Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. \n\nAll amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. \n\nA request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. \n\nThis request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report. \n',
'CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation. \n',
'I got a new Bank of America credit card. I went into my Bank of America on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Bank of America cancelled the payment to pay off the credit card. I talked by phone to a Bank of America rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest. \n',
'I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau. \n',
'midland funding is trying to garnish me and I have been trying to settle this account and they wont call me back. I am sick and cant be going through this. \nThey dont want to call me because they dont want to settle the account and just want the payment in full \n',
"Barclay Card stopped sending me bills ... therefore I am delinquent. Sent me to a collection agency. Then they closed my account and I 've been paying them all this time! \n",
'BBVA Compass reported to my credit a derogatory charged off loan even though the vehicle was paid off in an insurance claim. They have lied and ruined my financial status, I have been denied credit and have spent over 100 man hours trying to get this banking institution to fix this \n',
'CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO. \n',
'I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint. \n',
"I can not access my credit reportmy information does n't match with the credit bureauI applied for numerous credit cards and got a denied answer based on the fact that the can access my information to verify my credit. \n",
'I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. \nI have contacted the bank as well as my real estate agent. There " official \'\' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. \nI would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in. \n',
'My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect. \n',
'This showed up on my credit reports. I have never heard of these people. I have no contact information, there web site does not give a mailing address. \nHow can I get legal validation if there is no way to write them? \n',
'TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments. \n',
'I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008. \n',
'Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful. \n',
"I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.",
'LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. \nThey have requested modification documents from me and robo-signed returned copies \n',
'Citizens Bank unlawful withdrew money from checking account without remission. When confronted with problem citizens says it was the merchant problem merchant has no record of transactions. Citizens refuse number of times to explain their action on phone or correspondance to customer request. \n',
"did n't know that payday loans were prohibited in the state of GA and company did n't make me aware \n",
'JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy. \n',
"My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact \n",
'I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report. \n',
'I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions \'\'. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago. \n',
"My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. \n\nI thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. \n\nI ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}. \n",
'there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance \n',
'Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. \n\nI am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere. \n',
"The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request. \n",
"landlord maliciously file for eviction all the time and tenants do n't know theirrights so these bad reports ruing you for a long time. \n",
'IQ Data International has not provided validation of a debt as requested. \n',
'I have been trying to explain to the SLS Mortgage company that I do not need to pay escrow on my mortgage payment. I pay my insurance separately and my home is tax exempt as a " parsonage \'\' to the church. So I simply started paying my mortgage payment minus the escrow amount. So now this company consistently takes the escrow out of my mortgage payment anyway which is causing my payment to show up as late or a " partial \'\' pmt. Yet the escrow balance is very high!! From the very beginning I have been trying to get someone to listen to me and understand my situation buy NO ONE will!! They asked me to send a written request to remove the escrow payment with proof of the above situation, which I did, but then they refused me and will not do as I ask and turned down my request with a totally unsubstantiated reason for doing so! This has caused my credit rating to be greatly reduced and now I am not even able to try and re-finance my home with a different company because they have ruined my credit rating unnecessarily!! \n',
'I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc. \n',
"The are trying to collect to from some guy that I do n't know. After repeated times I tell them I do n't know who it is they refuse to take me off their list. \n",
'I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached. \n',
"I have a bank account with Santander Bank. I received a domestic wire into my bank account in connection with a purchase of residential real estate. When I tried to wire the funds out of the bank to finish the transaction, I was told that I would have to wait 3 business days in order to access the money. The purpose of a wire is so that the funds are clear once they clear the Federal Reserve. I feel that making me wait 3 business days to have access to money wired into my bank account is illegal and unethical. The funds should be available once they are received by the Bank ; once received by the bank they should be put into my account and be immediately accessible. The bank is doing this to make money off of other people 's money. \n",
'i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history \n',
'Investigation took more than 40 days, did not recieve any notification that investigation was complete or that the reinserted information, bankruptcy \n',
'submitted a statement for bankruptcy account and they changed and reworded my statement now they will not let me remove statement. \n',
'asked for a detailed verification process on the bankruptcy dispute and was refused. \n',
'Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment. \n',
"We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result. \n",
"Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.",
'At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? \'\' This happens at many retailers and I give them my phone number. The clerk asked for my driver \'s license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n\'t have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER. \n',
'I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers. \n',
'I have been receiving unwanted calls from IC Systems Collection Agency to my personal Cell phone number and family members cell phone numbers and I would like them to stop. \n',
'Not informed of court date received default judgement. \n',
'I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her. \n',
'i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them',
'I received the letter from " Discover Financial Services \'\' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n\'t know why I get cut due to " business decision \'\'. I called a friend and found out he has the issue without any reason explained. \n',
'I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off. \n',
'I received from my employer a Judgement/wage garnishment from Midland funding. I contacted Mindalnd Funding immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to Midland Funding that the credit card owed was a legal responsibility of my exhusband, but Midland funding only gave me the option of paying the amount in full ( along with legal fees and interest rate ), or Midland would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork ( legal document ). \n',
"Bank has my money on hold and wo n't release it. \n",
'Disputed info is deleted the reinsert ed on my report \n',
"An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account. \n",
'After calmly explaining that I am unemployed and have no ability to pay debts at this time, the rep on the phone yelled at me repeatedly "pay your bills!! Pay your bills!!" they also refused to tell me what the hospital bills were for specifically. I feel very violated and harassed.',
'Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.',
"Called my employer and left messages on my employer 's voice mails stating this was a debt collection agency trying to get in touch with me about an unpaid debt. I was warned by my employer that they will not tolerate this kind of matter. \n",
'I am a Discover card member since XX/XX/1987. Discover has placed gray charges on my monthly statement. I disputed the gray charge in writing and requested a written explanation for the charge. I never got a response. I declined telephone calls on the matter. Discover charged additional fees in retaliation for my dispute of the gray charges. THis is illegal, the company cannot charge fees on items in dispute, including charges.',
'I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held. \n',
'the law office of Michael J. Scott filed motions in court in a small claims case, where another attorney was involved in suing me. Michael J. Scott has a different bond number that that of the attorney suing me. \n',
'Allied Interstate continues to call my home for a person who does not live here. \n',
'I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself. \n',
'I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund. \n',
'For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision \'\' and they ca n\'t give any further information. I just need to know what I did wrong so that I can avoid in future banking \n',
'Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement. \n',
'I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years. \n',
'Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue. \n',
'RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. \nTo ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. \n\nThanks \n',
'I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them, \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times. \n',
'I paid off my financed vehicle early (ahead of the loan maturity date) at full non-discounted price, and still not have received my title after a month has passed. I need the title desperately, so I can re-register it in my new state as I recently moved (and my old state registration has lapsed). After 20 Business days and counting, I just learned they (DriveTime) only now released their lien and requested a new title yesterday with the old state I had lived. I am advised this can be a few more weeks before I receive my title which will be multiple months after I paid in full? This is ridiculous mishandling of the closing process especially since I requested it to be expedited.',
'Subscription service was cancelled with merchant prior to subscription date. Merchant went ahead and put through the charge anyway. PayPal was notified and a dispute was filed with PayPal. Even thought PayPal has a Purchase Protection policy which covers {$0.00} Liability for Eligible Unauthorized Transactions. However PayPal refuses to acknowledge my inquires regarding this matter. \n',
'In XX/XX/2014, I paid off some debt, including credit cards financed by Synchrony Bank ( who bought out GE Capital ). After paying off the total balances of several accounts, Synchrony took it upon themselves to close several accounts. Accounts still open had credit limits reduced to the total amount due. All of this was done without prior notice. As a result, my credit took a major reduction in score. I felt penalized for paying off debt. \n',
'I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me. \n',
'I am unaware of this debt. \n',
'I rented the apartment from them. We moved out and we left the apartment clean. They never send me my deposit to me. I want to know why they are still on my credit report. \n',
"I 've been having an issue with a TD BANK USA/TARGET CREDIT card. \n",
'Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem. \n',
'CitiBank Credit Card Company has reported some negative marks on my Credit Report regarding a debt. \n',
"I need some help with a situation with an apartment complex charging me for carpet in a unit which I full filled my lease as agreed. When I moved in the carpet was damaged which was brought to this company 's attention. They have a remark listed on my credit file and filed a judgement which I was not aware of. Please help. I did try to call and speak with someone which I was informed they do not care about anything except for collecting what is stated I owed. I do not feel I owe anything at all. Please help \n",
'Midland Credit failed to verify and validate all data for this account, and is being reported FRAUDULENTLY on my credit report. \nThey sent me back basic information on the account, not the detailed information I requested. They also sent me paperwork on other accounts I did not request. They continue to change information and change dates of account on my credit report without validating or verifying the information. They are breaking the law! \n',
"I have been recently denied credit based upon my TransUnion credit report. I immediately contacted TransUnion by formal correspondence to request a copy of my credit report, in full accordance with the FCRA. I also called TransUnion and a representative told me that I would have to purchase the monitoring service to receive a copy of my report. The FCRA enjoins Credit Bureaus to provide a copy of the person 's report if notice of adverse action has been rendered by the prospective creditor. \n",
'Equifax is reporting a SSN which is not my true and valid SSN. I have sent them copies of my ID and stated that any other SSN or identifying information is not mine and should be completely removed. Because of the wrong SSN number on my report I can not access my reports and identity verification systems can never work for me. This is very frustrating. \n',
'This item is past the statue of limitation and should not be listed on my credit file. \n',
'They have been calling and harassing my employer, my parents, my kids while they are at school my in-laws, sister-in-inlaws being very rude to them threating them. \n',
'My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff \n',
"Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. \n\nPlease assist. \n",
'Collector refused to acknowledge my request not to call on Sundays. \n',
'Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit. \n',
'I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account. \n',
'I TOLD THE LENDER I COULD NOT PAY UNTIL A CERTAIN DATE AND TOLD THEM TO PLEASE STOP CONTACTING MY FRIENDS AND MY EMPLOYER. THEY THEN TOLD ME THEY COULD CALL AND HARRASS ME UNTIL I PAID. I INFORMED THEM THAT I COULD GET FIRED FOR THEIR ATTEMPTS TO CONTACT ME AND I INFORMED THEM TO CEASE AND DESIST AND THEY HAVE YET TO QUIT CALLING. I AM SCARED OF LOSING MY JOB. PLEASE HELP',
'I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar \'s website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure. \n',
'I was recently contacted by American Express and told that I needed to pay a debt immediately, even though I am in credit counseling and I am depositing funds into an escrow account to be deposit for a debt settlement. I was threatened with a lawsuit, even though they acknowledged that I am taking steps to settle my debt with them out of court. I was not contacted by an attorney. I am paying money to settle my debt with American Express right now and I want to be left alone by them. \n',
'I agreed with the finance company to make an " interest only \'\' payment for two months. The company is reporting that I made a late payment. I \'ve contact the credit bureau to have it resolved with no success. \n',
'I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity. \n',
'TD Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole. \n',
'I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name. \n',
'Sent a letter asking for this information. Did not get anything. \n',
"As soon as we were finished with loan modification and trial payments and signed the new agreement with Bank of America they soled the loan to a new servicer. And we do n't agree with there actions because according to FDCPA fair dept collection practice act the trustee and trustor need to agree on the new servicer, and we do n't agree on it. \n",
'Started receiving credit card statements from PayPal Credit. \nI NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation. \n',
'I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it. \n',
'PennyMac has fail to produce to me the original promise note and mortgage in question. \nMy request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence. \n',
'The Mortgage company has omitted some of our mortgage payments for the last two years and they are trying to foreclose on us tomorrow. We, need help to hold the Mortgage Company liable for misappropriating your mortgage payments. \n',
"Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed. \n",
"Experian is refusing to honor my disputes when they are knowingly reporting incorrect information. I filed for Bankruptcy and after it 's discharged, they are not allowed to report past due balances, past late payments or derogatory statuses. No matter what I do, I even sent disputes Certified Mail with a return receipt, Experian refuses to conduct an investigation and is blatantly breaking the law. \n",
'U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance. \n',
'This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances. \n',
'I contacted this company via US certified mail to request them to validate thier debt. The company failed to respond and has not validated their claim. \n',
'Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly. \n',
'the caller stated that he has made several attempts to contact me and that I need to call him back asap or legal actions will take place against me. \n',
'capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court, \n',
"I created an online account at www.LendingTree.com to shop for a refinanced mortgage. I have since been bombarded by harassing phone calls/emails at all hours every day of the week. I can not deactivate my account or remove my personal information from this site, and have since learned that this company 's practices can actually hurt my credit score. I want this harassment to stop! \n",
'Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges. \n',
"All I am trying to do is get the completed modification paperwork that I requested over 3 weeks ago. I am trying to do a refinance and the underwriter is asking for the completed documentation of the modification we had 4 years ago. I have called and emailed them repeatedly and every time they tell me they will mail it to me or email the document to me and I still have n't received the paperwork. I am going to have to pay for an extension on my locked rate because this is all we are waiting for!!!!!! \n",
'The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day. \n',
'Contacted neighbor by phone, despite not having permission or information by debtor to seek contact via this party. \n',
'Nationstar Mortgage LLC is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment. \n',
'Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges \n',
'Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact. \n\nAgency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency. \n',
'Chase bank do not no longer want to do direct deposit from annunitys into a personal accounts unless the exceutor and the benifuarys name is on the account together. I think that is bad banking business. \n',
"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. \n",
'Late payment record for sears is false. \n',
'I do not know this company and never done business with them. \n',
'experian is not providing my credit score and report and is affecting me as I can not refinance my home \n',
"An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest. \n",
'I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!! \n',
'Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was \n',
'I filed a complaint for their failure to file a writ of satisfaction and they began garnishing me again in retaliation. \n',
'I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly! \n',
'I have a problem getting my free annual report. \n',
'Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt. \n',
'I am the victim of identity theft and I have placed a 90 day initial security alert on my credit reporting agency accounts. Experian notified me by mail that it has placed an *Initial Security Alert* on my account and that I am entitled to a free credit report. But when I used tried to order the credit report, using the Report Number Experian sent me I get a response that *We were unable to honor your request. * How do I get my free credit report from Experian? \n',
'Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that. \n',
'I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information. \n',
'I was turned from a mortgage company because of a number of " delinquencies \'\' on my credit reports. Since I do not have delinquencies and my credit score was higher a month ago, I tried to get my reports online. I could not obtain them, and when I went onto Equifax \'s site, the page would not allow me to submit my complaint. \nI really need to find out what \'s going on with my credit scores so that I can dispute the errors. \n',
'litton loan servicing led me to believe I would be able to get a loan modification. \n',
'I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee. \n',
"On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine \n",
"I pay for FICO score monitoring. A dispute over a drop in myscore has been logged with Equifax per the process with FICO. FICO claims they do not control the information provided by Equifax. Equifax just explained that my Equifax score is 'different ' from FICO because they use a different model to compute scores ... and if I want my Equifax score I must pay. We go around and around with FICO versus Equifax. No one will explain the formulas or their actual relationship. \n",
"I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.",
'These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.',
"Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. \n\nAdditionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency. \n",
'CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA. \n',
'KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA \n',
'KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA. \n',
'IN VIOLATION OF FDCPA AND TCPA! \n',
'My Medical insurance information was not accurate and so they did not submit the bills to my insurance. I fixed the information and my insurance company should cover and pay for my outstanding medical bills. I gave them the information a couple of months ago and nothing has changed on my credit report. I do not owe these bills.',
"I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround. \n",
'I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law. \n',
'will not remove \n',
"Somethings were disputed. And I have n't got a response. Then also they 're a of inquiries that are n't mine. \n",
'I have an account on my Equifax report that has been deleted from both other creditagencies. The account has past the statute of limitation and should not still be actively reporting. \n',
"I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. \n\nI have no reason to take this seriously. Please remove me from your call-lists. \n\nI do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently. \n",
'I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU. \n',
'follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving \n',
"I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing! \n",
'AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run. \n',
"I need to negotiate my debt to as minimum as possible. I 've try bringing it lower do to my financial hardship. \n",
"I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments. \n",
'Despite repeated requests to cease contact to business phone number, attempts to contact my wife, leaving message about debt, continue. \n',
'I ask Experian credit bureau to delete old inaccurate information, which they have return a letter with an statement that saids we received a suspicious letter and we determined it was not you. I want them to delete old inaccurate information. \n',
'Chase denied all requests for assistance to help me maintain ownership of my home, I lost my home due to foreclosure. My savings depleted and I am homeless. \n',
'I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account. \n',
"My monthly loan payment amount increased last month, without any explanation, previous disclosures or any notice of any kind. My hazard insurance and taxes are escrowed through my loan payment so I understand that my monthly payment can and has fluctuated in the past. However, I have never had a change without at least a few months notice as well as a detailed explanation or accounting as to the reason why my payment was due to change. This did not occur in my situation. I have had many problems with Ocwen since they became my mortgage servicer. I very much would advocate allowing borrowers such as myself to be allowed to request a service transfer to another servicer when dissatisfaction occurs due to the servicer 's actions. \n",
"I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me. \n",
'I had been trying to get my APR correctly reflected to the 6 % as required by law underneath SCRA and the company is refused to adjust after, numerous email, calls and letters. I have since canceled the line of credit, credit card with them and just would like fees and interest returned to me in the amount of {$61.00} \n',
'I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt \'\', instead choosing to be rude and condescending. \n',
'I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery \n',
'Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed. \n',
'I made extra payments towards my principal and Chase applied them as " advance payments. \'\' \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!\n\nTHIS IS NOT MY DEBT!\n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!',
'They keep calling me although they have the wrong name. I told them in so many words but they still call. \n',
'I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery. \n',
'Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such. \n',
'I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report. \n',
'Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .',
"I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone. \n",
'In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA \'\' is and if they are not affiliated with the dealership, how did they become involved in the contract. \n',
'I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report. \n',
'I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report. \n',
'Equifax Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report. \n',
"A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014. \n",
'they have calling me time and time again even when I have told them not to call me any more. \n',
"I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys \n",
"I have student loans that do n't belong to me on my credit report. \n",
'I had this included in my bankruptcy \n',
'Bank of America reported my missing payments to my credit history in the midst of reviewing my loan modification application. I was originally told that I would not receive the modification ( and was approved ), then told that I would not be reported in the midst of the process ( which I have ). This has impacted my ability to secure future home loans with other lenders. \n',
'Recently Chase decided that " COINS \'\' are no longer a valid currency at their banks and that they would no longer accept loose change. \n',
"I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. \nThe information does n't match my records and I believe it to be wrong. \nI was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late? \n",
'Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. \nWhen I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse. \n',
'This is not mine was opened in my name not by me and this should be taken off my credit thank you \n',
'Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. \n',
'Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. \n',
'This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters. \n',
'I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me. \n',
"After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice? \n",
'I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}. \n',
"Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed. \n",
'two years ago i bought a piece of property to build my house and I got it staked out septic designed and acquired the permit. A year and a half age I was rear ended in a car accident and could not work for a year because I did not get the medical attention that i am owed. The affordable care act was passed and approved by the supreme court so the quality of our lives would not be reduced. Because of the gap in income it is almost impossible to get a loan as well as now being forced to work a forty hour a week job and have to build it on the side while homeless because of ongoing issues that the doctors will not treat me for. My quality of life has decreased and will decrease further if the almost {$40000.00} of my own money i spent will be wasted because the government is not following through on their promises. and renting or buying a house than i do not like is not going improve the quality of my life as well as i would need my {$40000.00} returned \n',
'When I deposited a Western Union money order into my checking account, it was not honored by Western Union. As a result I incurred {$10.00} in fees from my bank. Further, Western Union stopped payment on the money order. When I called Western Union to correct this, the person I spoke to told me to send them a copy of the money order and the money order receipt. The person I spoke to specifically told me I would not be charged any fees since the money order was valid and the problem was not my fault. \n\nEven though I followed their requirements, They sent me a check for {$480.00}, and not the value of the original money order - {$500.00}. \n',
'I have asked Weltman , Weinberg & Reis to not contact me at work and they have continued to call and leave messages, even after told them that I would have my attorney contact them. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n',
'Did not verified my info \n',
'I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER. \n',
'A number of my credit cards no longer give access to their interest rate when I sign in on the internet. While I can locate info on paper statement, if I go w/o paper statement, I worry I will lose access. ALSO it seems they are " hiding \'\' info ... when the rate is variable, it is wise to watch the rate. \nI want to access not only my balance, payment, charges, etc. -- but my interest percentage as well. I have called them, and after that nuisance, I get the rate ... but that is wrong. Should n\'t they be required to disclose as they do on paper statement? \n',
"Seterus rated my loan incorrectly and wo n't fix it. I am trying to refinance and they wo n't cooperate in getting my payoff to the new lender. \n",
'Credit Card does not reveal the APR when signing in for activity or paying. \nNo where on the internet account is the information. It requires a paper statement ... \nAll other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. \nOn some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ; \n',
'CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT \n',
"Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing - \n",
'I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you \'re having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n\'t get any repayment plan, even though I \'ve told her that I \'m experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n\'t know that. \'\' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. \nFirst off, I did n\'t even sign a loan with them, because I know how they treat their customers and I did n\'t want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n\'t offer any long term forbearance options. I was n\'t even asking for long term options, I only needed about three months! I understand that they are n\'t governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n\'t doing the very best that they can to help their customers. \n',
'PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT \'\' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
"The aes loan I am paying back has worked out a payment plan for me. Now they told me they can no longer help me out with a payment plan and I have to pay the full amount. How am I supposed to pay the full amount if I do n't have the money? I would would be able to pay half the full amount. Please help. \n",
"Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit. \n",
'I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself. \n',
'Target, has provided incorrect information on my credit report and the payment system that they used inadequately had problems processing my payments and the money was in my account each time. I want the adverse account information removed from my account. It was their fault for the lateness. \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n',
'Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month. \n',
"Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone. \n",
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! \n\nI asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! \n\nTHIS IS NOT MY DEBT! \n\nI WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! \n',
'I sent the company a letter for verification of debt an as well I disputed it with my credit bureau as well an they stated its been verified however I have never received any documentation. I would like the debt deleted from my credit reports due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act \n',
'Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow. \n',
"chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card. \n",
'I pay my balance in full every month prior to the due date, but when I do every few months the company puts a hold on the account and will not release the payment. \n',
'With this collection agency they harrassed me and told me that I needed to make a payment. They did not provide me with a written verification of the debt to prove that I needed to pay. They furthermore, did not try to retract the debt from the proper persons. \n',
"After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in. \n",
'Credit reporting companies will not deleted wrong information. \n',
"Credit reporting agency does n't want to erase old information \n",
'Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence. \n',
'Recieved a call trying to collect on this debt but debt is not listed on credit report \n',
'I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit \n',
'This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter \n',
'I got a CareCredit card to use in case of a medical emergency. I felt comfortable knowing that I had access to immediate funds to use in the case of a medical emergency. I had a medical emergency come up and was really relying on my CareCredit card in order to pay for the medical services I needed. I go to use my card and it is declined. They tell me that the account has been closed due to inactivity. Because of this, I was forced to use my rent money. Now my checking account is sitting in the negative and I am being charged more every single day that it is in the negative. I am also now unable to afford gas and food and when the time comes to pay my rent, I will not bad able to pay it. Because of this event my having a place to live and a job is now at risk. CareCredit has been completely unwilling to help other than telling me to just reapply. I will no longer be able to take care of any medical issues because CareCredit decided to close my account without my knowledge or consent. \n',
"I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it. \n",
'Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info. \n',
'several threatening calls would not send me any documentation as requested. Hung up on me whe I kept insisting on paperwork. \n',
'This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter \n',
'this is not my account or bills \n',
'This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter \n',
"Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond. \n",
'i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE \n',
'Nationwide is raising my interest rate above the contractual limit \n',
'Student loan information entered twice ( same loan amount and acct number listed 2 times ) on list of owed liabilities on my credit report. \n',
'The marketing companies only said they would take me off, but thought I was interested in offers. \n',
'I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. \'\' that I have disputed. Please resolve this manner as soon as possible. Thank you. \n',
'I have tried to get my free annual report or to buy one from Equifax numerous times. Their identifying information questions contain information that does not apply to me ( what mortgage do I have, what is the monthly payment, do I have any of several credit cards that I do not have, etc ). When I answer these accurately " Not applicable \'\' it says I have entered incorrect information. When I try calling them they do the same thing - the information they are looking for is incorrect so it is impossible for me to access my report. I have never had a mortgage, car financing, department store credit or any of the other things they insist I have and want me to identify. \n',
'I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails. \n',
'There are serious issues with the loan documentation. The note is not the original. I am requesting a copy of the original note, all assignments and the other documentation listed. \n',
'was contacted via mail in regards to a debt over 10 years old. contacted thhe agency was mini miranda without verifying correct party confirmed that the account was past statute was asked to resolve and informed the agency i wasnt interested in resolving.. received another call where my identity was not verified and the debt was disclosed i asked why i was still being contacted in regards to a past statute account and why the office was demanding payment the representative stated their office will continue to contact for payment until resolved the representative made me feel harrassed and i communicated that at which point she confirmed it. the representative was talking over me shouting and being argumentative the entire call. \n',
'I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt. \n',
'Wallet pick pocked in 2013, promptly notify bank and filed a police report. \nNew credit card issued, but Credit card company ( HSBC ) fails to remove fraulent charges from 2013 from old credit card number ( account ). \nTell me everything is okay and that I am not responsible, but the amount owed keep going up. \nKeep sending emails that I need to pay due to outstanding balance. \nNo resolution after numerous phone calls since 2013. \n',
'This ticket was actually my sons while driving my car. I paid it to get it off of my credit report and contacted the courts who said it was paid and also sent me confirmation of the payment showing the balance of {$0.00}. \n',
'I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report. \n',
"We have been pressured by Webster to go along with their requirements in our short sale although we were able to show hardship thru divorce and loss of income. Despite our attempts to work with them, they would not budge. They told us if we did n't make a decision in 24 hours they would take us to court. Although it would strain us, we agreed from fear. Once we agreed, we sent them a money order immediately and signed the agreement. It has now been a month and they have not fulfilled their obligation. Our short sale is in danger of falling thru and we would be forced into bankruptcy. \n",
'They add fees to this account \n',
'I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report. \n',
'I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ... \n',
'TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. \n\nSee attached documents. \n',
"I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort. \n",
'I received a medical debt in the mail that was not mine. I wrote the collection agency Grant & Weber, to inform them the debt was n\'t mine and I was a victim of identity theft. They never responded to my request or even replied " and again I disputed the debt because it was n\'t mine and was a result of ID Theft. \n\nThis debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt nor did they reply to my dispute as law directs them to do so. \n\nI applied for a credit loan and was denied due to their frauudlent reporting. \n\nI then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional credit. \nThis collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. \nThis a defamation of my character, malicious intent and a violation of my FDCPA, CA Rosenthal Act and California Identity Theft Act \n',
'Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years! \n',
'has kept account in dispute for more than 14 months \n',
'dispute has been ongoing for more than 14 months \n',
'Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem \n',
'There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real. \n',
"Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF. \n",
'My daughter name put on my account. She has never been on my account and they refuse to take her name off this account. \n',
"I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate. \n",
'I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account \'\' as required by the FDCPA \n',
"I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it. \n",
'American Express has been calling me relentlessly every 2 to 3 hours for the past two to three weeks and they do not respond to faxes to cease and desist. \n',
'I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account. \n',
'Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C \n',
'And they keep calling from a number that is listed as a normal private home landline, no right to dispute, they do not identify themselves and call after hours and on sundays \n',
'Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot \'\'. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around. \n',
'I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms. \n',
"Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money! \n",
'Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday. \n',
'this not my account \n',
'this not my account \n',
'this not my account \n',
'when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. \nmy ex will file a separate complaint as he says Discover never notified him of any of this. \n',
"We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account. \n",
'This involved Chase Bank and their routine customer practices. \n\nI recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. \n\nI suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. \n\nAfter talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers. \n',
"A hold has been placed on a deposit made to my checking account and JP Morgan Chase wo n't tell me why. \n",
'My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large \'\' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor. \n',
'Nationstar has not completely responded to several Requests for Information under RESPA. See attachment for the latest request. \n',
'I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated. \n',
'Ive tried numerous times in writing and phone calls to retrieve my free annual credit report to no avail..the information they have is incorrect such as ..i had bought a house ..i cant get past the questions to retrieve my report.. \n',
'Experian Credit reporting agency signed me up for for " credit monitoring \'\' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed \'\'. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law. \n',
'Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed. \n',
'I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation \'\' of his state which is examining his compliance with the " Financial Responsibility Act \'\' and that he could lose his driver \'s license unless he pays up. \n',
"I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received. \n",
'ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. \n\nTHIS IS PREDATORY! \n',
"I 'm not sure how to file a dispute for a wrong address. There is an address on my report, that I have never seen or lived at before. \n",
"Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.",
'They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n\'t they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We \'re struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message \'\' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them. \n',
'They keep calling my work saying they are trying to find my whereabouts always wanting information. \n',
'Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n',
'Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me. \n',
'I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me. \n',
'they are calling asking for someone who does not live here..have asked them to stop calling but they continue to call \n',
'AWA Collections is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). \nI have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused. \n',
'I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair. \n',
'Company is reporting an outstanding balance. There is no outstanding balance, and the account is closed. \n',
'I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). \nI believe this request is illegal because I gave no such permission toWells Fargo to access my credit report. \n',
'my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed \n',
'A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. \nThey called yet again today and when I told them it was not my debt they became rude and harassing. \n',
'I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property. \n',
'THIS DEBT WAS DISCHARED THROUGH A COURT RULING AND I WANT IT TO BE REMOVED FROM MY REPORT \n',
'THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS \n',
'I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. \nI have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. \n\nI was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date. \n',
'this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao \n',
'Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit. \n',
'I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done. \n',
'I pulled my credit report and there was an account from syncb/old navy which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done. \n',
'I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done. \n',
'I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm. \n',
'Was never notified of the debt. \n',
'I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE \'\' he argued with me stating that they would n\'t call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n\'t call if there \'s a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it. \n',
'Old debt \n',
'portfolio associates keeps calling my house several times a day not leaving messages but some how has my phone number ive blocked them and still they get thruit is really getting annoying that they keep callingim on the national do not call list but they keep buying my phone number some how \n',
"Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble. \n",
'Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory. \n',
"I have been working with Green Tree Debt Collectors about my mortgage payments. I agreed to receive phone calls on my cell phone and at work to talk with them, but the representative 's behavior this afternoon on the phone was rude, abusive, and inconsiderate. \n",
'have no idea who this is \n',
'Chase Debit CardCancelled without notification or reason. \nSee Attached Statement \n',
'I was buying an item on ebay. I went to pay with my paypal account. They redirected my request without telling me. I thought I was confirming my ss # and email for security purposes for the purchase, the next thing I know they setup a credit card account in my name. This is not acceptable. I called to have the account closed and credit inquiry removed. They said they could not remove the credit inquiry. I am in the middle of applying for a home loan. This should be illegal. \n',
'Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP. \n',
"I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept. \n",
'My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling. \n',
'I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again. \n',
'Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off. \n',
"Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them???? \n",
'KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA. \n',
'Two months ago I instructed JC Penney to charge the remainder of my balance and cancel my card due to repeatedly poor service. Their representative confirmed both : my balance was resolved and my account was closed. Today I received notice that I have not been making payments on my account and that I owe {$300.00} plus interest and late fees. I disputed their claim and asked for paper records on this matter, they could not confirm that I would receive any paper records on this matter. I dispute that I owe the money, interest charges, and late fees. I also demand to see a paper trail from them. Can you help me? \n',
'Harassment and stalking \n',
'I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization \n',
'Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages. \n',
'I have not been able to access any of my money currently being held in TD Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions. \n',
'Dispute late payment on BMW lease account. \n',
"I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American. \n",
'SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports. \n',
'I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports. \n',
"I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid. \n",
'I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading. \n',
'Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response. \n',
'Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail. \n',
'Lender contacts for payment BEFORE the loan payments are DUE \n',
'Paid off ALLIANCEONE account still showing up as open \n',
"I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. \n\nIt jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. \n\nIs n't this usury? Should n't consumers be protected? \n",
'CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE \n',
"inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax \n",
'My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account. \n',
'CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped \n',
"Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. \n\nI already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. \n\nUnbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. \n\nI was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing. \n",
'Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender \n',
'My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent. \n',
'ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing \n',
'Lien was paid in full in 2009 and released. \n',
'THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE \n',
'this company keeps threating me harrasing me i dont know them keep on asking them to stop calling me they refuse there threating me to throw in jail please have them stop bothering \n',
'third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times \n',
'I requested written notification of my husband \'s debt and they refused to send it to me. They stated they had already sent it out and they could n\'t send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok \'\' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n\'t send it until the bill was paid off. \n',
'Portfolio collecting keep calling my phone. I stated to them that they must be looking for my father. Additionally, I am on the do not call list and I keep getting calls. Please help. \n',
'I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed \n',
'My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money. \n',
'I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed \n',
'still having problems with amazons bank-see my letter! \n',
'I have closed accounts still on my report. I have hard inquiries on my report that I did not approve of \n',
'I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted. \n',
'I disputed my current mailing address and Equifax requested a Birth Certificate, Drivers License, Social Security Card, and Utility Bill, and Proof of Residency. However, I had already proven my identity by signing up for their Equifax Complete Advantage product. Thus, under the FCRA I do not have to provide this information to them. Also, I declined their request because I not give that type of information to private corporations such as theirs. \n',
'The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. \n\nThe collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters. \n',
'There are certain items or accounts on my credit report that should not be there. Some of them are over 7 years old. Thank you for your time and consideration to read this. \n',
"Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries. \n",
'Ally Bank charged me an overdraft fee on a debit card. \n1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. \n2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. \n3. If someone came into my home and stole from me, I could shoot them. \nI DEMAND MY MONEY RETURNED IN FULL. \nFurther, I request a {$35.00} fee for theft. \n',
'I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot. \n',
'I was approved for a loan modification in 2014. I made my trial payments, then suddenly Ocwen started returning my payments. When I asked why they replied my funds were n\'t certified or something to that effect. I contacted them again about my payments being returned and they said my loan modification was still being processed ( mind you I \'ve been approved and made my trial payments ). I recieve a letter stating my modification was disapproved ( mind you I \'ve already been approved last year ) I contact them again, I revieve a letter saying there is " an issue with my mortage title that will not allow me into the program. I contact them to inquire what the issue is with my title so I can straighten it out, I then recieve a letter saying my appeal is being reviewed. \nI never appealed an application which was approved. How could I have been approved last year with an issue with my mortgage title? How can I be disapproved for a program I \'ve been approved for and have not missed making a timely payment since then? \nBasically all I want to do is be on track with my payments, Ocwen accept my payments and move on with my life with the security of as long as I do my part I will continue to have the same roof over my head. \n',
'Nothing has been updated and has taken more than 30 days \n',
'Almost daily phone calls from Stellar Recovery for months now. All computer calls. \n\nI own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. \n\nI have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment. \n',
'I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa. \n',
'Roadlloans.com did a hard credit inquiry on my credit report, I did not give them permission. \n',
'this debt is fraudulent was created from identity theft and needs to be removed i have filed a ftc and police report \n',
'Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years. \n',
"can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. \nI need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement \n",
'Im on a payment plan with my lender. They called and text and harassed me saying I didnt make my monthly payment and I did. They finally realized their error on the last day of the month with no explanation just we are sorry thanks. I am concerned that they are not keeping proper accounting records. \n',
'Bank of America closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards. \n',
'I REQUEST MY FREE ANNUAL CREDIT REPORT FROM WWW.ANNUALCREDITREPORT.COM AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. \nPLEASE, HELP ME \n',
"I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. \n\nI do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit. \n",
'I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers. \n',
"I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. \nI was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. \nOn top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity. \n",
"During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). \nDuring my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. \nI have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail. \n",
"I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. \nShellpoint is clearly trying to make customers default by their business practices. \n",
'Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve. \n',
"I feel that I 'm paying more than I should. \n",
'Keep calling my phone and job threaten with legal action also arrest \n',
'Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. \n\nThrough the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. \n\nUltimately, he intentionally delayed so that he could raise rates and costs. \n\nBait and switch, pricing and costs transparency, did not operate in good faith. \n',
'Account was paid but never updated to the credit bureaus. \n',
'I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. \nThey had said to make a certain amount of payments.. one was approx. \n{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. \nNow, after all is said and done, my account did not remain in goodstanding and my credit was affected. \n',
'I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I \'m being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. \n2. The document specifying the terms and conditions of the repayment of such a loan. \n3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. \nBoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved \'\' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. \nI will greatly appreciate your assistance. \n',
'this is my work number i have asked not to call my job \n',
'Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan \n',
'I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized \'\' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved \n',
"I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why. \n",
"I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment \n",
'I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt. \n',
'I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt. \n',
'I am submitting a formal complain t about Equifax \n',
'Caller stated that they were from Credit Corp and would not give a mailing address or their License number. \n',
'Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed \'\', and then they wo n\'t talk to him saying it \'s my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help. \n',
"After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it? \n",
'I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements. \n',
'submitted a letter disputing wrong information, transition would not delete. \n',
'I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace. \n',
"I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up \n",
'they put my sons collections on my report he has the same name. \n',
'This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report. \n',
'We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. \'\' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned. \n',
'I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account. \n',
'They keep calling one call after another \n',
"Refused to pay for modem router, that they auto billed me {$150.00}. told them to send shipping label, then adjust bill from there, I would pay them once everything was straightend out, I would purchase my own, they never sent shipping label, and would n't adjust bill, cause I still had their equipment, I still have it sitting here, all boxed up and ready to give back Do n't hardly seem fair that I 'm being punished for refusing to purchase what they were trying to force me to buy. \nI 'm the customer, and I refused that part of their services, I have had many discussions with multiple people, and not one person can seem to figure out how to send a shipping label, and adjust my bill. \nI absolutely refuse to pay {$150.00} for their equipment, especially after a good 2 years of arguments, get on the ball people!!!!! \n",
'I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong. \n',
'I asked for a complete breakdown of the corporate advance fees charged to this loan. Nationstar responded with the attached breakdown, which does not define what the fees are ; i.e., what comprises foreclosure fees? Is foreclosure fees one fee and a combination of several fees? What is a land periodic and land initial fee? What is a title examination? etc. Also I asked for dates, times, and the name contractor who performed any property inspections. This is not " proprietary information \'\', as claimed by Nationstar. Therefore this is a request for verification and a compete explanation of the fees charged to this account. \n',
'I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. \nI had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner. \n',
'all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS \'\' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file \n',
'I was asked ( as I was leaving the branch ) to refinance my home loan. The local expert was on the phone and unavailable. They said " We \'ll have him call you \'\' ( which they never did ). I never gave them my name, address, or phone number. Ten days later I got a rejection letter which I threw in the trash. Turns out they had made a hard inquiry which is now a negative factor on my FICO score and they refuse to have it lifted. ( Only the bank can do that. ) They ignore my requests, clear up to the VP in charge. \n',
"Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. \n\n\nAMAZON \n",
"My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that \n",
"I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous! \n",
'I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down. \n',
'I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated \n',
'equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score \n',
"I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks. \n",
'I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day. \n',
'I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap. \n',
'Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt \'\'. Extremely rude and unprofessional. \n',
'I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free \'\' credit monitoring.come to find out II was charged $ {$17.00} for the " free \'\' credit monitoring.this is deceptive. \n',
"I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks. \n",
'The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone. \n',
'Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida. \n',
'I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off. \n',
'After getting denied a loan modification and then denied a repayment plan, I applied for a short sale with Ocwen almost 2 years ago. Since then I have lost 3 buyers. I send Ocwen everything they request in a timely manner but they still call and email saying they need everything that has already been sent. Whenever I call, I get told something different every time. I \'ve been told it is approved then call back asking for the approval letter and told it is still under review. The files stay " in review \'\' for months. Whenever I ask for a manager I am told none are available but will call you back, yet I never receive a call back. They are forcing my property into foreclosure. \n',
'I need help \n',
'I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago. \n',
"I am in the process of applying for Lowe 's discount credit card. They are asking for both date of birth and Social Security Number. Is this safe to do so, in the light of 'Identitytheft ' dangers? \n",
"Frequent receive threat calls to my sick mother 's home although I do no leave there anymore. \n",
'A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too \n',
'Wells Fargo Mortgage contacted me regarding an escrow overagecaused by non-payment of real estate taxes. I notified them that thepayments should be spread out in the next 12 months. I am male. Theco-borrower contacted the lender and spread it out for 60 months. Icontacted them and stated that this was not what I requested. Thelender stated that it could be changed verbally by either party. I said tochange it back. They stated they would. They called today to state thatthey would not. The lender stated they did not want to be involved. Istated they already were by spreading it to 60 months. The lenderrefused to change it back. So, it would appear the female co-borrowerhas the right to change my decision, but the male primary whose incomethe mortgage is based on has less rights on my own mortgage. \n',
'My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. I have paid by the due date with on-line payment, and the money has left my bank account, however it is not credited until a week later. I have been reported as late on my credit report, even though I paid the bill by the due date. \n',
'Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late. \n',
'Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account! \n',
'I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come. \n',
"I 'm requesting information about my loan to the bank and they do n't want give it to me. \n",
'Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance. \n',
"Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right. \n",
'Since PNC purchased my Mortgage note, I have had nothing but problems logging in their website to check where my account is at. Their EST hours make it difficult for me to contact their support. I get no paper statements, they charge me for online mortgage payments ( my other lender did not ). Nothing but problems. \n',
'This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her. \n',
'CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection \'\' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider. \n',
'hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks. \n',
"The first person to contact me was a man pretending to be a process server. He said there was a complaint filed against me. When I checked on line I found no such complaint. When I called the number he left, a woman answered with very abusive and threatening language towards me. She said she was going to sue me and that I was a liar. She yelled for several minutes while I tried to reason with her calmly, but I finally had to hang up because she would n't stop yelling and threatening me. \n",
'the late payment is still showing up on my report beyond the seven years rerequ \n',
'Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections. \n',
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
'An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months. \n',
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
"I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service. \n",
'I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report. \n',
'This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter \n',
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
'i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit \n',
'Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees \n',
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
"This company is trying to collect a debt I do n't owe. \n",
"I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). \nThis has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau! \n",
'Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges. \n',
'Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years. \n',
'I was told that if I entered into a payment arrangement with them that they would not report the debt to credit. I started making payments immediately. I then checked my credit a month or two later and they in fact had started reporting the debt negatively to my credit. \n',
'My current address is wrong. \n',
'Incorrect current address on my credit report \n',
"I 've recently financed a vehicle and the loan company is charging me more interest than agreed upon. The interest is more than the actual loan amount. \n",
'CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME. \n',
"This company called Midland Credit Management is alleging I owe a debt. I 've never conducted business with this company. \n",
'I had an odd message appear on my screen after answering my security question required for my Transunion credit report. Here is the attatchment of what I received as a message. Which resulted in me being unable to see my credit report for Transunion. \n',
'Account was verified \n',
'THERE IS ANY INQUIRE ON MY CREDIT REPORT THAT THE COMPANY TOLD ME THEY WOULD REMOVED BUT THEY STILL HAVE NOT DID SO AFTER 90 DAYS \n',
"It 's affecting my credit on the purchase of a house. \n",
'CONVERGENT RESOURCES continues to call my home trying to collect on a debt that has long since been paid. Judging by the other reviews of this company I have found online, this is a common practice for them and is likely some sort of fraud. \n',
'Chrysler Capital has charged me a late fee for 3 months in a row even after I presented them cancelled checks showing that I made payment on time. Have written them about this and they have just ignored me. Will not be doing business with them again \n',
'I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE \'\' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT \'S IT! I \'m done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN! \n',
'I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment. \n',
'The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen. \n',
'This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me. \n',
'My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening. \n',
'I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them. \n',
'None of the catogories listed fit my issue, but I am haveing difficulty in getting J. P. Morgan Chase/insurance claims department to release my insurance settlement funds needed to complete the repairs on my home from fire damage. \n',
"I called Chrysler Capital ( Santander ) and asked them how they was able to secure my vehicle when they could not legally or properly VIN my unit. They attempted to stated they do n't have to provide information but they can tell by the plate ... I then Saud they have to read it off the unit. They then ignored me and said it was done legally. I confirmed no they did n't and she then went into ignoring me again. She refused to explain how they could repo a unit with out following legal process. \n",
'repeated unwanted phone calls \n',
'Never lived in virginia \n',
'On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees. \n',
'I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. \n\nThey just sent a letter of collection for this nonexistent debt for {$740.00} \n',
'I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me. \n',
"They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list. \n",
"I received a letter saying my house was going into forclosure even though im up to date with payments.they say when I received a loan modification years ago I missed a payment.i did n't even have this company back then, my loan was sold to them months ago, and its been a nightmare since the beginning.they keep losing my payments or put it in unapplied funds.what can I do? \n",
'Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates. \n',
"I will file a lawsuit for Experian committing fraud and stealing {$21.00} from my credit card when the credit and FICO score was free. I do NOT approve of this bill. I did not sign up for any membership. I signed up because it was free. They bring people in with free credit scores {$1.00} and then charge people {$21.00} weeks later. I never even gave them my credit card number. This company is a huge SCAM. The government should not allow this to happen. They are committing white collar crimes and should be subject to punishment. I am not the only one who 's been robbed by this big company. If you read the complaints about this company its endless. Please do something thank you! \n",
'I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase \'\' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help! \n',
'Collector calls repeatedly through out the day even after stating to no longer call. \nIn response the collector just states that they will just keep calling. \nWhich in return is harassment. \n',
"Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page. \n",
"I 've never been employed by the ones listed on my credit report for transunion \n",
'I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else. \n',
'Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan. \n',
'I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open \'\'. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open \'\' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n\'t access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? \nAt this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts. \n',
'I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. \nMy frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. \nI should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. \nFor students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. \nEven there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan. \n',
'Company continues to report negatively and incorrectly on my credit report after debt has been paid. \n\nContinual harassment during collection process. Calling family members, and my employer. \n',
"I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law. \n",
'Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt. \n',
'Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.',
'I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer. \n',
'Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated. \n',
'I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. \nNaturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended. \n',
'Bill on credit card has been payed in full. \n',
'Never had service with company. They also REAGED the " debt \'\'. \n',
'Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the Experian credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately! \n',
"I signed up for electronic statements but do not get them ... I do n't believe interest is being applied to my account correctly. I pay the loan using different bank accounts and sometimes the funds are pulled from the wrong account. My contract does not state how principal interest and fees are applied to my account. \n",
"I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want. \n",
'Received telephone call from unknown telephone number resulting from debt collection company and they did not leave message. \n',
'TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE. \n',
'Can not remove fraud alert. \n',
'I made several attempts to CA via returned receipt to validate this debt. I have not received any response from my attempts to CA to verify this debt but they continue to report and collect on this. \nThey have violated my rights. \n',
'Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. \nSee attached for additional information. \n',
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Content source: mathisonian/consumer-complaints
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